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UK Tax Calculators & Tools 2026/27
Calculate Income Tax, Capital Gains Tax, Inheritance Tax, Stamp Duty, dividend tax and pension tax relief, with rates for the 2026/27 tax year.
Everything You Need to Calculate Your UK Tax
These calculators work out Income Tax and National Insurance, Capital Gains Tax, Inheritance Tax, Stamp Duty Land Tax, dividend tax and pension tax relief for 2026/27. They also decode PAYE tax codes and list Self Assessment dates. The rates and thresholds come from GOV.UK.
Choose a tab below, enter your figures and press Calculate. Each calculator runs in your browser and does not save or send what you type.
UK Tax Calculators 2026/27
Pick a tab to switch calculator. Results use 2026/27 rates and appear when you press Calculate.
Income Tax & National Insurance Calculator
Calculate your take-home pay for 2026/27 including Income Tax and National Insurance contributions.
Enter your income details and click Calculate to see your take-home pay breakdown.
Capital Gains Tax Calculator
Estimate CGT on the disposal of assets for 2026/27. Annual exempt amount is £3,000.
Enter your asset disposal details and click Calculate to see your CGT liability.
Inheritance Tax Estimator
Estimate the IHT liability on an estate. Standard nil-rate band is £325,000 (2026/27).
Enter estate details and click Calculate to see the estimated Inheritance Tax.
Stamp Duty Land Tax Calculator
Calculate SDLT for residential property purchases in England & Northern Ireland (rates from 1 April 2025).
SDLT Rate Bands (Home Mover)
| Price Band | Rate |
|---|---|
| £0 to £125,000 | 0% |
| £125,001 to £250,000 | 2% |
| £250,001 to £925,000 | 5% |
| £925,001 to £1,500,000 | 10% |
| Over £1,500,000 | 12% |
Enter the property price and buyer type, then click Calculate to see your Stamp Duty bill.
Dividend Tax Calculator
Calculate tax on dividend income for 2026/27. Dividend Allowance is £500.
Basic Rate: 10.75% | Higher Rate: 35.75% | Additional Rate: 39.35%
Dividend Allowance: £500
Enter your dividend income and click Calculate to see your dividend tax liability.
Pension Tax Relief Calculator
See how much tax relief you can claim on pension contributions and project your pension pot.
Enter your pension contribution details to see your tax relief and projected pot value.
Tax Code Explainer
Decode your PAYE tax code to understand your personal allowance and any adjustments.
Common Tax Code Suffixes
| Code | Meaning |
|---|---|
| L | Standard personal allowance |
| M | Marriage Allowance received (+10%) |
| N | Marriage Allowance transferred (-10%) |
| T | Tax code includes other calculations to work out your Personal Allowance |
| BR | All income taxed at basic rate (20%) |
| D0 | All income taxed at higher rate (40%) |
| D1 | All income taxed at additional rate (45%) |
| NT | No tax deducted |
| W1, M1, X | Emergency tax code |
| 0T | Personal Allowance used up, or no details from a previous employer |
| K | Income or deductions higher than your Personal Allowance |
| S prefix | Scottish taxpayer rates |
| C prefix | Welsh taxpayer rates |
Enter your tax code from your payslip or P60 and click Decode to understand what it means.
Self Assessment & Tax Key Dates 2026/27
Dates run from the start of the 2026/27 tax year to the deadline for its tax return.
Disclaimer: All calculators provide estimates based on 2026/27 HMRC rates and are for guidance only. They do not constitute professional tax advice. For complex tax situations, consult a qualified tax adviser or accountant. Always verify figures with HMRC directly.
8 Free Tax Calculators & Tools
Each calculator has a TaxYZ guide that explains the rules behind the result.
Income Tax & NI
Work out take-home pay after Income Tax, employee National Insurance, pension contributions and student loan repayments. It reads tax codes and covers Scottish rates.
Capital Gains Tax
Estimate Capital Gains Tax on shares, property and other assets. It applies the £3,000 annual exempt amount, uses your income to find your rate and shows the deadline for reporting.
Inheritance Tax
Estimate Inheritance Tax using the nil-rate band, the residence nil-rate band and its taper over £2 million, allowances passed on by a late spouse, gifts and gifts to charity.
Stamp Duty (SDLT)
Work out Stamp Duty Land Tax in England and Northern Ireland for first-time buyers, home movers and additional properties, including the 5% higher rate and the 2% non-UK resident surcharge.
Dividend Tax
Work out tax on dividends using the £500 dividend allowance and the 2026/27 rates of 10.75%, 35.75% and 39.35%.
Pension Tax Relief
See the tax relief on your pension contributions, what they cost you after relief, and a projection of your pot. It shows any extra relief a higher-rate taxpayer claims through Self Assessment.
Tax Code Decoder
Decode a PAYE tax code to see your Personal Allowance, spot an emergency code and check whether the code looks right.
Key Tax Dates
Self Assessment deadlines, payment on account dates and the start and end of the tax year, with the days left to each.
More calculators on TaxYZ
These separate calculators are live and have a 2026/27 option.
Salary after tax
Take-home pay with a choice of pension method, student loan plans including postgraduate, and Scottish rates.
Bonus tax
The Income Tax and National Insurance taken from a bonus, with optional pension contributions and student loan.
Buy-to-let tax
The extra tax on rental profit, with the £1,000 property allowance and the finance cost tax reduction.
Child Benefit tax
The High Income Child Benefit Charge, worked out from your income, pension contributions and Gift Aid.
Key Rates & Allowances 2026/27
Income Tax (England, Wales and Northern Ireland)
| Band | Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 to £50,270 | 20% |
| Higher Rate | £50,271 to £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Income Tax (Scotland)
| Band | Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter Rate | £12,571 to £16,537 | 19% |
| Basic Rate | £16,538 to £29,526 | 20% |
| Intermediate Rate | £29,527 to £43,662 | 21% |
| Higher Rate | £43,663 to £75,000 | 42% |
| Advanced Rate | £75,001 to £125,140 | 45% |
| Top Rate | Over £125,140 | 48% |
Capital Gains Tax 2026/27
| Asset | Lower Rate | Higher Rate |
|---|---|---|
| Shares & Other Assets | 18% | 24% |
| Residential Property | 18% | 24% |
| Business Asset Disposal Relief | 18% | |
| Annual Exempt Amount | £3,000 | |
Dividend tax rates 2026/27
| Band | Rate |
|---|---|
| Dividend Allowance | £500 (0%) |
| Basic Rate Taxpayer | 10.75% |
| Higher Rate Taxpayer | 35.75% |
| Additional Rate Taxpayer | 39.35% |
Stamp Duty (England and Northern Ireland)
| Price band | Home mover | Additional property |
|---|---|---|
| Up to £125,000 | 0% | 5% |
| £125,001 to £250,000 | 2% | 7% |
| £250,001 to £925,000 | 5% | 10% |
| £925,001 to £1.5 million | 10% | 15% |
| Over £1.5 million | 12% | 17% |
Key allowances 2026/27
| Allowance | Amount |
|---|---|
| Personal Allowance | £12,570 |
| ISA Annual Allowance | £20,000 |
| Pension Annual Allowance | £60,000 |
| IHT Nil-Rate Band | £325,000 |
| IHT Residence Nil-Rate Band | £175,000 |
| CGT Annual Exempt Amount | £3,000 |
| Dividend Allowance | £500 |
| Marriage Allowance transfer | £1,260 |
The Personal Allowance falls by £1 for every £2 of income over £100,000 and is nil at £125,140. Scottish bands apply to non-savings income. Dividends are taxed at the same rates across the UK.
Home mover rates apply when you will own one home. Additional property pays 5% more in every band for purchases of £40,000 or more. First-time buyers pay 0% up to £300,000 and 5% from £300,001 to £500,000, with no relief above £500,000. Non-UK residents pay 2% more.
Where the figures come from
- GOV.UK: Income Tax rates and Personal Allowances
- GOV.UK: Income Tax in Scotland
- GOV.UK: rates and thresholds for employers 2026 to 2027
- GOV.UK: student loan repayment thresholds
- GOV.UK: Capital Gains Tax rates and allowances
- GOV.UK: report and pay your Capital Gains Tax
- GOV.UK: Inheritance Tax
- GOV.UK: residence nil rate band
- GOV.UK: Stamp Duty Land Tax residential rates
- GOV.UK: higher rates of Stamp Duty Land Tax
- GOV.UK: tax on dividends
- GOV.UK: tax on your private pension contributions
- GOV.UK: tax codes
- GOV.UK: Self Assessment deadlines
Calculators FAQ
How accurate are these UK tax calculators?
They follow the 2026/27 rules published on GOV.UK for the situations they cover, and we check them against GOV.UK's worked examples. They cannot see your full circumstances, such as foreign income, other reliefs or agreements with HMRC. Treat the results as estimates and check them with HMRC or an adviser before you file.
Are the calculators updated for the 2026/27 tax year?
Yes. They use the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027. That includes the Scottish Income Tax bands, dividend tax at 10.75% and 35.75%, Capital Gains Tax at 18% and 24%, the £3,000 annual exempt amount and the Stamp Duty rates in force since 1 April 2025.
Do I need an account, and are my figures stored?
No. You do not need an account. The eight calculators on this page run in your browser and do not save or send the figures you type. When you reload the page, the boxes go back to the example values.
What is the difference between my marginal tax rate and effective tax rate?
Your marginal rate is the tax on your next £1 of income: 20%, 40% or 45% in England, Wales and Northern Ireland, or 60% while your Personal Allowance is withdrawn between £100,000 and £125,140. Your effective rate is your Income Tax divided by your gross income. It is lower because the first £12,570 is untaxed.
Why does my take-home pay differ from my payslip?
Small differences are normal. Your payslip may use a different tax code, include taxable benefits in kind, take pension contributions in another way or use an emergency tax basis. The calculator also works from annual figures. If the gap is large, check your tax code and ask your payroll team.
How do I check if my tax code is correct?
Your tax code is on your payslip and on the tax code notice HMRC sends you. You can also check it online with the Check your Income Tax service on GOV.UK. If it looks wrong, update your details there or call HMRC on 0300 200 3300. The Tax Code tab explains each part of a code.
When do I need to pay Capital Gains Tax?
Report and pay Capital Gains Tax on UK residential property within 60 days of completion, using a Capital Gains Tax on UK property account. Gains on other assets go on your Self Assessment tax return, due by 31 January after the tax year. If you are registered for Self Assessment, report gains when your sale proceeds were over £50,000.
Can I reduce my Inheritance Tax bill?
Within the rules, yes. You can give away £3,000 a year using your annual exemption, make gifts out of regular income, and leave at least 10% of your net estate to charity, which cuts the rate from 40% to 36%. From 6 April 2027, most unused pension funds will count towards your estate.
Understand Your UK Tax
Income Tax Guide
Income Tax rates, bands, the Personal Allowance and how PAYE works for employees and the self-employed.
Read guideCapital Gains Tax Guide
Capital Gains Tax on shares, property and business assets, with allowable deductions and reporting rules.
Read guideTax Planning & Strategies
Inheritance Tax planning, income splitting, pension strategies and other lawful ways to cut a tax bill.
Read guideHMRC Rules & Compliance
Self Assessment registration, filing deadlines, payments on account, penalties and dealing with HMRC.
Read guideISA Allowances & Rules
How to use your £20,000 ISA allowance across Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Junior ISAs.
Read guideTax News & Updates
HMRC announcements, Budget changes, new rates and threshold updates.
Read guideComplex Tax Situation?
Get Professional Advice.
The calculators give estimates, and every tax situation is different. Read the guides for the rules behind each result, or speak to a qualified UK tax adviser.