All UK Tax & Pay Calculators

Pay

Self-employed & business

Property & wealth

Other

Public sector

Which UK calculator do you need?

Start from your situation rather than the tax. Most questions about pay are answered by the take-home pay calculator, but several situations need a dedicated tool because the rules work differently.

Employee on a salary: the take-home pay or income tax calculator. Add pension, student loan, tax code and bonus in the extra options.
Living in Scotland: the Scottish tax calculator, which applies the six Scottish rates to earnings and UK rates to everything else.
Paid by the hour, or comparing part-time offers: the hourly wage and pro rata salary calculators.
Got a pay rise or bonus coming: the pay rise and bonus tax calculators show what you keep, and where salary sacrifice beats taking cash.
Saving for retirement: the salary sacrifice and pension tax relief calculators. Taking money out: the pension withdrawal tax calculator, including emergency tax on the first payment.
Earning over £60,000 with children: the High Income Child Benefit Charge calculator.
NHS or school staff: the NHS pay, NHS pay rise, NHS maternity pay and teacher pay calculators use the national pay scales and pension tiers.
Self-employed, a company director or a contractor: the self-employed, dividend, limited company, corporation tax and umbrella calculators.
Buying, selling or owning property and assets: stamp duty (with LBTT and LTT), capital gains, inheritance tax, rental income and council tax calculators.

Key UK tax figures for 2026/27

These are the main rates and thresholds the calculators use for the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027.

Item	2026/27 figure
Personal Allowance	£12,570, tapered away between £100,000 and £125,140
Income tax (England, Wales, NI)	20% to £50,270, 40% to £125,140, 45% above
Income tax (Scotland)	Six rates from 19% to 48%
Employee NI	8% from £12,570 to £50,270, 2% above
Employer NI	15% above £5,000; Employment Allowance £10,500
Self-employed Class 4 NI	6% from £12,570 to £50,270, 2% above
Dividends	£500 allowance; 10.75%, 35.75%, 39.35%
Savings	Personal Savings Allowance £1,000 (basic) or £500 (higher); starting rate band up to £5,000
Capital Gains Tax	£3,000 exempt; 18% and 24%
Pension annual allowance	£60,000; lump sum allowance £268,275
Student loan thresholds	Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, Postgraduate £21,000
National Living Wage (21+)	£12.71 an hour from 1 April 2026
Child Benefit	£27.05 a week (eldest), £17.90 (others); charge from £60,000
VAT	20% standard rate; registration threshold £90,000

How the calculators work

Every calculator runs on one shared set of rates taken from HMRC and GOV.UK publications, so the income tax in the bonus calculator matches the income tax in the take-home pay calculator. When HMRC publishes new rates, the figures are updated in one place and every tool and article picks them up. The source list at the foot of each page links to the publications used.

The pay tools calculate on an annual basis with a standard cumulative tax code, unless you enter a different code. That matches what you will pay over a full tax year. Your payslip in a given month can differ for three reasons: National Insurance and student loan repayments are worked out on each pay period, not the year; PAYE spreads your allowance through the year, so mid-year starts and bonuses move tax between months; and non-cumulative or emergency codes are not corrected until HMRC steps in.

Wales and Northern Ireland use the same income tax rates as England in 2026/27, so choose "England, Wales & NI" in the region selector. Scottish taxpayers should choose Scotland.

What is changing after this tax year

Several announced changes affect what the calculators will show in later years. These are already law or confirmed government policy.

Income tax thresholds and the matching employee and self-employed NI thresholds stay frozen until April 2031, under Budget 2025.
From April 2027, tax on savings income rises by 2 percentage points in every band, and property income will be taxed at 22%, 42% and 47%.
The Plan 2 student loan threshold is held at £29,385 for three years from April 2027.
From April 2028 the normal minimum pension age rises from 55 to 57.
From April 2029, National Insurance relief on pension salary sacrifice is limited to the first £2,000 a year.

Getting an accurate answer

A calculator is only as good as the numbers you put into it. These inputs make the biggest difference.

Enter your gross annual salary before any deductions, and the pension contribution as a percentage with the right pension type: relief at source, net pay or salary sacrifice.
Use the tax code from your latest payslip if it is not 1257L.
Select every student loan plan you repay. Postgraduate Loans are repaid alongside an undergraduate plan.
Include taxable benefits such as a company car, which add to taxable pay but not to NI.
For one-off amounts such as bonuses and arrears, use the dedicated tools, which explain how the month of payment is taxed.

Frequently asked questions

Are the calculators up to date for 2026/27?

Yes. They use HMRC's 2026/27 rates and thresholds, including the 10.75% basic dividend rate and the £12.71 National Living Wage. The pay calculator also has the previous year's rates.

Do the calculators work for Wales and Northern Ireland?

Yes. In 2026/27 Welsh and Northern Irish taxpayers pay the same income tax rates as England, and NI is UK-wide.

Why does my payslip differ from the calculator?

Usually because of timing. NI and student loans are worked out per pay period, PAYE spreads your allowance through the year, and some tax codes are non-cumulative. Over a full year the figures should be close.

Are the results financial advice?

No. They are estimates based on published rates and the information you enter. For complex situations, check with HMRC or a qualified adviser.

Which calculator should I use for a second job?

Use the take-home pay calculator for each job and enter the tax code from that job, usually BR or D0 for the second one. The tax code calculator shows what a code costs compared with 1257L.

Sources

Figures are taken from official government publications and were last reviewed on 2026-10-03.