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Free UK TaxCalculators2025–26

Figure out exactly what HMRC takes. Ten calculators covering income tax, NI, stamp duty, capital gains, and more — real rates, full breakdowns, zero sign-ups.

See what you actually take home View all tools
The Tools

Pick a calculator

Each one shows the full picture — not just the headline rate.

NewMost Popular
UK Income Tax & National Insurance Calculator
Your payslip shows what you took home. This tells you why. Income Tax, National Insurance, pension deductions, and student loans — with full England, Scotland, and Wales breakdowns.
Income Tax 2025–26National InsuranceScotland RatesPAYE
See my take-home
£12,570Personal allowance
20–45%Tax rate range
8%NI main rate
Scotland Income Tax Calculator
New
Six Scottish bands including the new 45% Advanced Rate. See exactly how SRIT differs from England — and whether the gap matters for your salary.
→ Scottish taxpayer? See your real take-home under SRIT
Hourly to Annual Salary
New
Enter your hourly rate and hours per week. Get gross annual salary, monthly pay, and take-home after tax and NI. Includes NLW reference table.
→ Paid hourly? See your equivalent annual salary after tax
Compare Two Salaries
New
Is the pay rise worth it after tax? Enter any two UK salaries and see the exact take-home difference, marginal rate, and what HMRC takes from the gap.
→ Find out if that new job offer is as good as it looks
Stamp Duty (SDLT)
Live
Find out what HMRC charges before your solicitor tells you on completion day. First-time buyers, second homes, and all three UK nations.
→ Factor this into your real take-home before you commit
ISA Calculator
Live
Project how your Cash ISA or Stocks & Shares ISA grows tax-free over time within the annual £20,000 allowance.
→ See how tax-free savings actually change your net income picture
UK Mortgage
Live
Work out your exact monthly repayment, total interest, and full amortisation schedule for any UK home loan.
→ Run alongside Stamp Duty to see the true cost of buying
Self Assessment
Live
Estimate your Self Assessment bill before January. Income tax, Class 2 & 4 NI, and payments on account.
→ Know the number before HMRC sends the letter
Dividend Tax
Live
Work out how much tax you owe on dividends after your £500 allowance — at basic, higher, or additional rate.
Capital Gains Tax
Live
Calculate CGT on property, shares, or other assets. October 2024 Budget rates (18%/24%) with your £3,000 exempt amount.
Pension Tax Relief
Live
See exactly how much the government adds to your pension. Higher rate? Find out what to claim back.
→ Every £1 contributed costs you less than £1 — here's how much less
Marriage Allowance
Live
Check if you and your partner qualify for up to £252/year — and how far you can backdate. 2 million couples don't claim.
→ Takes 60 seconds — you may be owed up to £1,260 backdated
Child Benefit & HICBC
Live
See your full entitlement and how much the High Income Charge claws back if you earn over £60,000.
→ Know your net position — the HICBC can flip benefit into cost
Student Loan Repayment
New
See how long it actually takes to clear your loan — or whether it'll be written off. Covers Plans 1, 2, 4, 5, and Postgrad with salary growth and interest modelling.
→ Most Plan 2 borrowers never repay in full — find out where you stand
New Tool

Is that pay rise actually worth it?

Compare any two UK salaries side by side. See the exact take-home difference, what HMRC charges on the gap, and whether that new offer is as good as it looks.

£40K vs £50K £80K vs £100K £100K vs £110K
Compare two salaries
2025–26 · England & Wales
£40,000
£32,320 take-home
−£5,486 tax−£2,194 NI
VS
£50,000
£39,520 take-home
−£7,486 tax−£2,994 NI
+£7,200/yr take-home on +£10,000 gross · 28p in every £1 extra keeps

Why we made this

GOV.UK is confusing. Most "free" calculators want your email. We just wanted a thing that worked.

Real HMRC numbers
Band by band, year by year — actual rates, not estimates rounded to the nearest five percent.
Runs in your browser
Everything calculates locally. Nothing is sent anywhere, nothing is stored. Zero latency.
Nothing to sign up for
No account, no email, no cookie wall. Type a number, get an answer.
Free, full stop
No paywall, no premium tier. The full calculation, every time.
Salary After Tax

What's your take-home?

Pick a salary below to see your exact take-home — full breakdown included.

Calculate your exact take-home
Gross SalaryTake-Home PayIncome TaxNational InsuranceEffective Rate
£20,000£17,920
£1,493/mo
£1,486£59410.4%Full breakdown
£25,000£21,520
£1,793/mo
£2,486£99413.9%Full breakdown
£30,000£25,120
£2,093/mo
£3,486£1,39416.3%Full breakdown
£35,000£28,720
£2,393/mo
£4,486£1,79418.0%Full breakdown
£40,000£32,320
£2,693/mo
£5,486£2,19419.2%Full breakdown
£45,000£35,920
£2,993/mo
£6,486£2,59420.2%Full breakdown
£50,000£39,520
£3,293/mo
£7,486£2,99421.0%Full breakdown
£55,000£42,457
£3,538/mo
£8,486£3,05722.8%Full breakdown
£60,000£45,357
£3,780/mo
£10,432£3,21124.4%Full breakdown
£75,000£54,057
£4,505/mo
£16,432£3,51128.0%Full breakdown
🔥 Most searched£100,000£68,557
£5,713/mo
£27,432£4,01131.4%Full breakdown
£150,000£93,800
£7,817/mo
£48,432£5,01137.6%Full breakdown
Guides

Understand the rules, not just the numbers

Plain-English explainers on UK income tax, NI, capital gains, pensions, and more — so HMRC stops being a mystery.

How UK Income Tax Works (2025–26)
Personal allowance, tax bands, the 60% trap, Scotland rates, and PAYE — all in plain English.
Read guide
National Insurance Explained (2025–26)
Employee and self-employed rates, what NI actually funds, and how your contributions build your State Pension entitlement.
Read guide
Capital Gains Tax: UK Guide (2025–26)
Annual exempt amount, rates after the 2024 Budget, 60-day property reporting, and the reliefs worth knowing about.
Read guide
UK Self Assessment: A Complete Guide
Who needs to file, the deadlines that matter, what to gather, payments on account, and how to avoid late penalties.
Read guide
UK Pension Tax Relief Explained (2025–26)
How relief at source and net pay work, the £60,000 annual allowance, carry forward, and the MPAA — so you actually understand your pension.
Read guide
Stamp Duty Land Tax (SDLT): UK Guide
Residential rates, the first-time buyer threshold, the 5% additional dwelling surcharge from Oct 2024, and how it all works.
Read guide
ISA Guide 2025–26
Cash ISA, S&S ISA, Lifetime ISA — the £20,000 allowance, what's tax-free, and which type suits your situation.
Read guide
UK Dividend Tax Guide (2025–26)
The £500 allowance, 8.75–39.35% rates, how it hits directors, and the ISA fix — all explained.
Read guide
Student Loan Repayment Guide
Plans 1–5 and Postgrad thresholds, write-off dates, interest rates, and whether to overpay — in plain English.
Read guide
Browse all guides

Ready to see what you actually keep?

Takes about 30 seconds. You'll know your take-home, tax, and NI to the penny.

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