UK Tax Calculators
& Guides
Income tax, National Insurance, capital gains, dividends, self-employment and more. All calculators use confirmed 2026/27 rates. No sign-up needed.
Most popular · Tax & Income
Take Home Pay Calculator
Calculate your net salary after income tax, NI, pension and student loan, by year, month, week or day.
Tax calculators
9National Insurance Calculator
Calculate your Class 1 NI contributions as an employee or employer.
Open calculatorSalary Calculator
Convert between annual, monthly, weekly, and hourly pay after tax.
Open calculatorSalary Comparison Calculator
Compare two salaries side-by-side: income tax, NI, pension, and take-home pay.
Open calculatorSelf-Employed Tax Calculator
Estimate income tax and Class 2/4 NI for sole traders and freelancers.
Open calculatorCapital Gains Tax Calculator
Calculate CGT on property, shares, and other assets.
Open calculatorDividend Tax Calculator
Work out tax owed on dividends, including the optimal salary/dividend split.
Open calculatorTax Code Calculator
Find out what your tax code means and whether you are paying the right amount of tax.
Open calculatorMinimum Wage Calculator
Check if you are being paid at least the National Minimum Wage or Living Wage, and see your annual equivalent pay.
Open calculatorCouncil Tax Calculator
Calculate your annual Council Tax bill from your band and local Band D rate, including single-person and student discounts.
Open calculatorTax guides
8Guide
UK Income Tax Explained
Bands, rates, allowances and the personal allowance taper, all in plain English.
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Guide
National Insurance Guide
Classes, thresholds and how NI builds your State Pension entitlement.
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Guide
Self-Assessment Guide
Who needs to file, deadlines, penalties and how to pay your bill.
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Guide
Dividend Tax Guide
Rates, the £500 allowance, and the optimal director salary/dividend strategy.
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Guide
Capital Gains Tax Guide
How CGT works on property, shares, and other assets.
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Guide
Tax Codes Explained
What 1257L, BR, D0 and emergency codes mean for your payslip.
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Guide
How to Pay Less Tax in 2026/27
Eight legal, HMRC-approved ways to reduce your UK tax bill.
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Guide
What is a Good Salary in the UK?
Median earnings, take-home pay at every level, and regional differences.
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Tax in 2026/27
Understanding UK tax
Income tax & National Insurance
The UK tax system combines income tax and National Insurance, and depending on your situation, taxes on capital gains, dividends and savings interest. In 2026/27 the personal allowance remains frozen at £12,570. The basic rate of 20% applies up to £50,270; the higher rate of 40% from £50,271 to £125,140; and the additional rate of 45% above that. Scotland has its own six-band system.
Employees pay National Insurance at 8% on earnings between £12,570 and £50,270, and 2% above that. From April 2025 employer NI rose to 15%, a change that affects how much salary sacrifice saves for both employee and employer.
The personal allowance taper
If your income exceeds £100,000, your £12,570 personal allowance is reduced by £1 for every £2 of income above that threshold. By £125,140 the allowance is gone entirely.
This creates an effective marginal rate of 60% on income between £100,000 and £125,140, higher than the additional rate of 45%. Pension contributions are one of the most effective ways to reduce adjusted net income below £100,000 and recover your personal allowance.
| Band | Income (England & Wales) | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571–£50,270 | 20% |
| Higher rate | £50,271–£125,140 | 40% |
| Taper zone | £100,000–£125,140 | 60% effective |
| Additional rate | Above £125,140 | 45% |
Common tax questions
Do I need to complete a Self Assessment tax return?
You must file Self Assessment if you are self-employed, a company director, earn over £100,000, have income from property, have untaxed income over £2,500, or have capital gains above the annual exempt amount. HMRC will usually write to you if they expect a return, but you're responsible for registering if you meet the criteria. The deadline is 31 January for online returns (covering the previous tax year ending 5 April).
What is the Marriage Allowance and how do I claim it?
Marriage Allowance lets a spouse or civil partner who earns below the personal allowance (or is a non-taxpayer) transfer £1,260 of their personal allowance to their higher-earning partner, saving up to £252 in tax per year. The higher earner must be a basic-rate taxpayer (income between £12,570 and £50,270). You can backdate a claim up to four years, potentially recovering over £1,000. Apply via the HMRC website and it takes effect from the next tax code update.
Can I claim tax relief for working from home?
Employees who are required to work from home (not just choosing to) can claim a flat-rate deduction of £6 per week (£312 per year) without needing receipts. Higher claims require evidence of actual additional costs (heating, electricity). Claim through your Self Assessment return or via HMRC's online service. Self-employed workers can claim a proportion of home costs as a business expense through Self Assessment.
What is the High Income Child Benefit Charge?
If you or your partner has adjusted net income above £60,000 and you claim Child Benefit, you must pay the High Income Child Benefit Charge (HICBC) through Self Assessment. The charge is 1% of your Child Benefit for every £200 of income above £60,000, reaching 100% at £80,000. Above £80,000, it's often simpler to opt out of receiving Child Benefit (you can always opt back in). Pension contributions can reduce your adjusted net income below the threshold and recover the full benefit.
How does Gift Aid affect my tax?
When you make a Gift Aid donation to a charity, the charity reclaims 25p from HMRC for every £1 you give. If you're a higher or additional-rate taxpayer, you can claim back the difference between the basic-rate relief (already given to the charity) and your marginal rate. For a 40% taxpayer donating £100, the charity gets £125 and you claim back £25 through Self Assessment, effectively making the donation cost you £75.