UK tax simplified:
free calculators and clear guides
Guides to Income Tax, Self Assessment, Capital Gains Tax, ISAs and student loans, with free calculators. The figures on this page come from GOV.UK.
Guides written by
Sara Kents
10+ years writing about UK tax, student finance and personal money. Sara turns HMRC guidance into plain-English explanations of Income Tax, National Insurance, Self Assessment, student loans and budgeting.
The tax, savings and loans guides draw on GOV.UK and HMRC sources and show the date they were last reviewed. This page covers the 2026/27 tax year.
Free UK tax calculators
Rates for the 2026/27 tax year from GOV.UK. The calculators run in your browser: there is no login and nothing is sent to us.
Income Tax & NI
Work out take-home pay after Income Tax, employee National Insurance, pension contributions and student loan repayments.
Open calculator →Capital Gains Tax
Estimate Capital Gains Tax on shares, property and other assets, using the £3,000 annual exempt amount.
Open calculator →Stamp Duty (SDLT)
Work out Stamp Duty Land Tax in England and Northern Ireland for first-time buyers, home movers and additional properties.
Open calculator →Pension tax relief
See the tax relief on your pension contributions, what they cost you after relief, and a projection of your pot.
Open calculator →Inheritance Tax
Estimate Inheritance Tax using the nil-rate band, the residence nil-rate band, gifts and gifts to charity.
Open calculator →3 more calculators
Dividend tax, tax code decoder and Self Assessment key dates
View all 8 tools →
Guides by topic
Start with the hub for your topic, then follow the links to the detailed guides.
Calculate UK tax
on the go
UK Tax Calculator Pro is an Android app for estimating UK Income Tax. You can find it on Google Play.
Example on the phone: a £35,000 salary in England for 2026/27 with no pension or student loan, from the TaxYZ salary calculator.
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Common UK tax questions
Short answers for the 2026/27 tax year, with links to the full guides.
What is the Personal Allowance for 2026/27? ›
The standard Personal Allowance is £12,570, so you pay no Income Tax on the first £12,570 of your income. It falls by £1 for every £2 of adjusted net income above £100,000 and reaches zero at £125,140. The allowance is fixed in law for every tax year to 2030/31.
When is the Self Assessment deadline for 2025/26? ›
A paper return for 2025/26 must reach HMRC by 11:59pm on 31 October 2026. An online return and the tax you owe are due by 11:59pm on 31 January 2027, and the first payment on account towards your 2026/27 bill is due on the same day. A late return starts with a £100 penalty.
How much can I pay into ISAs in 2026/27? ›
You can pay up to £20,000 into ISAs in 2026/27, in one account or split across cash, stocks and shares, innovative finance and Lifetime ISAs. The Lifetime ISA limit is £4,000 and counts towards the £20,000. You pay no UK tax on interest, dividends or gains inside an ISA.
What changes for cash ISAs in April 2027? ›
From 6 April 2027, if you are 64 or under at the end of the tax year, you can pay up to £12,000 of your £20,000 ISA allowance into cash ISAs. If you are 65 or over at the end of the tax year, the cash ISA limit stays at £20,000. Until then, all £20,000 can go into cash ISAs.
What is Capital Gains Tax and when do I pay it? ›
Capital Gains Tax is charged on the profit when you sell or dispose of something that has gone up in value. For 2026/27 the tax-free allowance is £3,000. The rate is 18% on gains within your basic rate band and 24% above it. Report and pay Capital Gains Tax on UK residential property within 60 days of completion.
Do I need to send a Self Assessment tax return? ›
You must send one if you were self-employed and earned more than £1,000, were a partner in a business partnership, or had to pay Capital Gains Tax. You may also need to if you have untaxed income such as rent, tips, savings interest or dividends. Tell HMRC by 5 October after the tax year ends.
How much tax and National Insurance do I pay on £35,000? ›
On a £35,000 salary in England for 2026/27, with no pension or student loan, you pay £4,486 Income Tax and £1,794 National Insurance. That leaves £28,720 a year, or £2,393 a month. Both are charged on the £22,430 above the £12,570 Personal Allowance, Income Tax at 20% and National Insurance at 8%.
TaxYZ provides educational information only and is not regulated by the FCA. Figures are for the 2026/27 tax year as published on GOV.UK. This page does not constitute tax, legal or financial advice, so check your own circumstances with HMRC or take independent advice.
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Where to start
with your UK tax
Use a free calculator to work out your own numbers, or read a guide to see how a rule works.