Every UK tax and pension calculator
Free calculators for 2026/27, all built on the same engine and checked against HMRC and gov.uk. Each one links to the official pages behind its figures.
Pay and income tax
- Take-home pay calculatorEvery deduction and income source, worked out the way payroll does it, with an AI assistant.
- Payslip checkerCheck the tax on your payslip from your tax code and year-to-date figures.
- Net to grossThe salary you need for the take-home pay you want.
- Salary after taxTake-home pay for every salary from £12,000 to £500,000.
- Hourly pay after taxWhat every hourly rate comes to a year, a month and a week.
- Salary for a take-homeThe salary you need for every monthly take-home from £1,000 to £10,000.
- Tax code checkerWhat any UK tax code means and whether you could be overpaying.
- Salary sacrificeSee what salary sacrifice saves you in 2026/27. Compare pension, EV and cycle to work schemes, with tax, NI and student loan worked out per payday.
- EV salary sacrificeWork out what an electric car on salary sacrifice really costs each month in 2026/27, including 4% benefit in kind tax, against a personal lease from your pay.
- 60% tax trapEarning between £100,000 and £125,140? See what the 60% tax trap costs you in 2026/27 and how much pension gets your allowance and childcare support back.
- Scottish income taxTake-home pay in Scotland for 2026/27 using all six Scottish income tax bands, with NI, pensions and student loans, plus a side-by-side comparison with England.
- Student loansSee your 2026/27 student loan repayments for Plan 1, 2, 4, 5 and Postgraduate loans, worked out per payday like payroll, and how salary sacrifice lowers them.
- Bonus taxFind out how much of your bonus you keep in 2026/27 after income tax, National Insurance and student loan, and what sacrificing it into your pension is worth.
- Pay riseSee how much of a pay rise you actually keep in 2026/27 after income tax, National Insurance, student loan and the Child Benefit charge, at every salary band.
- Company car taxWork out company car tax for 2026/27 on electric, plug-in hybrid, petrol and diesel cars, with your benefit in kind rate, monthly tax and employer Class 1A NI.
- National InsuranceWork out employee National Insurance for 2026/27 per payday, as payroll does: 8% from £1,048 a month, 2% above £4,189, with bonus months and State Pension age.
- Second job taxWork out tax and NI on a second job in 2026/27 with a BR, D0, D1 or 0T code, see if you are overtaxed, and how splitting your £12,570 allowance gets it back.
Pensions and retirement
- Pension calculatorWill your pension be enough? Pot, State Pension and tax in retirement, with 1,000 market simulations.
- Pension pot incomeWhat pots from £10,000 to £2 million pay a year in retirement.
- Pension savings by ageHow much you should have in your pension at every age, and the monthly saving to get there.
- Pension withdrawal taxThe tax on taking money out, the emergency tax deducted first, and how to claim it back.
- Pension tax reliefCompare salary sacrifice, net pay and relief at source in 2026/27. See your real cost per £1 in your pension, higher rate relief to claim and annual allowance.
Buying property
- Stamp duty (England and NI)Stamp Duty Land Tax with first-time buyer relief, second home rates and the non-resident surcharge.
- LBTT (Scotland)Land and Buildings Transaction Tax with first-time buyer relief and the 8% Additional Dwelling Supplement.
- Land Transaction Tax (Wales)LTT at the main rates or the higher rates for second homes and buy-to-let.
Self-employed, landlords and investors
- Capital Gains TaxTax on selling property, shares or a business, with the £3,000 allowance and the 60-day rule.
- Self-employed taxWork out tax, Class 4 NI and your Self Assessment bill on freelance income in 2026/27, alone or on top of a salary, with payments on account and MTD rules.
- Dividend taxCalculate dividend tax for 2026/27 at the new 10.75% and 35.75% rates, with the £500 allowance, a salary or director pay, and Scottish or rUK income tax bands.
- Landlord taxWork out tax on rental income for 2026/27 with the £1,000 property allowance, the 20% mortgage interest credit, and the property tax rise coming in April 2027.
Family and estates
- Inheritance TaxInheritance tax with the residence band, spouse transfers, charity, business relief and pensions from April 2027.
- Child Benefit chargeSee how much Child Benefit you keep in 2026/27 once the High Income Child Benefit Charge applies between £60,000 and £80,000, and how a pension removes it.
- Marriage AllowanceCheck if you qualify for Marriage Allowance in 2026/27. Transfer £1,260 of Personal Allowance to your partner and cut their tax bill by up to £252 a year.
Employers and employment rights
- Maternity and paternity payStatutory Maternity Pay week by week, plus Paternity and Shared Parental Pay.
- Statutory Sick PayThe April 2026 rules: paid from day one at £123.25 or 80% of earnings.
- Redundancy payStatutory redundancy pay from your age, service and weekly pay, year by year.
- Employer NIWork out employer NI for 2026/27 at 15% above £5,000 and the full cost of employing someone, including pension, Employment Allowance and salary sacrifice.
Updated