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UK Tax Calculators & Tools 2025/26
Instantly calculate Income Tax, Capital Gains Tax, Inheritance Tax, Stamp Duty, Dividend Tax, Pension Relief and more — all updated for the 2025/26 tax year.
Everything You Need to Calculate Your UK Tax
Our free UK tax calculators use the latest 2025/26 HMRC rates, thresholds and allowances. Whether you're employed, self-employed, a landlord, or investor — get instant, accurate estimates for every type of UK tax.
Select a calculator below. All tools work instantly in your browser — no registration, no data stored.
UK Tax Calculators 2025/26
Select any tab to switch between calculators. All results update instantly based on 2025/26 HMRC rates.
Income Tax & National Insurance Calculator
Calculate your take-home pay for 2025/26 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 2025/26. 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 (2025/26).
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 (2025/26).
SDLT Rate Bands (Home Mover)
| Price Band | Rate |
|---|---|
| £0 – £125,000 | 0% |
| £125,001 – £250,000 | 2% |
| £250,001 – £925,000 | 5% |
| £925,001 – £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 2025/26. Dividend Allowance is £500.
Basic Rate: 8.75% | Higher Rate: 33.75% | 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 | Complex tax affairs / review needed |
| 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 |
| 0T | No personal allowance / emergency code |
| K | Underpayment / additional tax owed |
| 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 2025/26
Never miss an HMRC deadline. Dates shown for the 2025/26 tax year.
⚠️ Disclaimer: All calculators provide estimates based on 2025/26 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
Covering every major UK tax type for individuals, company directors, landlords, and investors.
Income Tax & NI
Calculate your exact take-home pay including Income Tax, Employee NI, pension deductions and student loan repayments. Supports all tax codes, salary sacrifice, and Scottish rates.
Capital Gains Tax
Estimate CGT on shares, property, and other assets. Applies the £3,000 annual exempt amount and calculates using your marginal tax rate.
Inheritance Tax
Estimate IHT including nil-rate band, RNRB, transferable NRB for married couples, gifts, and charitable legacy reductions.
Stamp Duty (SDLT)
Calculate Stamp Duty for first-time buyers, home movers, and additional property purchases. Includes the 3% second-home and 2% non-UK resident surcharges.
Dividend Tax
Work out how much tax you owe on dividend income using the £500 dividend allowance and the correct 8.75%–39.35% rate for your income band.
Pension Tax Relief
See the true cost of pension saving after tax relief. Project your pot to retirement and see how much extra relief higher-rate taxpayers can claim.
Tax Code Decoder
Instantly decode any PAYE tax code. Understand your personal allowance, identify emergency codes, and see if you may be overpaying tax.
Key Tax Dates
Never miss an HMRC deadline. All Self Assessment dates, payment on account deadlines, and year-end cut-off dates in one place.
Key Rates & Allowances 2025/26
Calculators FAQ
❓ How accurate are these UK tax calculators?
Our calculators use official 2025/26 HMRC rates, thresholds and allowances. They provide reliable estimates for the most common tax scenarios. However, they cannot account for all individual circumstances — such as complex reliefs, foreign income, or specific HMRC agreements. Always verify with HMRC or a qualified adviser for filing purposes.
❓ Are these calculators updated for the 2025/26 tax year?
Yes. All calculators reflect rates and allowances for the 2025/26 tax year (6 April 2025 – 5 April 2026), including the October 2024 Budget changes to CGT rates (18%/24%), the £500 dividend allowance, and the £3,000 CGT annual exempt amount.
❓ Do I need to create an account to use these calculators?
No — all calculators are completely free to use with no registration required. No personal data is stored or transmitted. All calculations happen instantly in your browser.
❓ What is the difference between my marginal tax rate and effective tax rate?
Your marginal tax rate is the rate you pay on the next £1 of income (20%, 40%, or 45%). Your effective tax rate is your total Income Tax bill divided by your gross income — it's always lower than your marginal rate because you pay 0% on your personal allowance and 20% on the basic rate band first.
❓ Why does my take-home pay calculator show a different result to my payslip?
Small differences are normal — payslips may include employer pension contributions, taxable benefits in kind (company car, private medical), or week/month 1 basis calculations. If the difference is significant, check your tax code and contact HMRC or your employer's payroll department.
❓ How do I check if my tax code is correct?
Use our Tax Code Decoder tool above, then compare to what HMRC shows in your Personal Tax Account at gov.uk. Your code appears on your payslip, P60, and the P2 tax code notice HMRC sends. If wrong, update via your Personal Tax Account or call HMRC on 0300 200 3300.
❓ When do I need to pay Capital Gains Tax?
CGT on residential property must be reported and paid within 60 days of completion using HMRC's online service. CGT on other assets (shares, etc.) is reported and paid through Self Assessment by 31 January following the tax year end. You must report even if no tax is due if the disposal exceeds 4× the annual exempt amount.
❓ Can I reduce my Inheritance Tax bill?
Yes — there are several legitimate strategies: making annual gifts (£3,000/year exempt), gifting out of regular income, leaving 10%+ to charity (reduces rate to 36%), using pension funds (outside estate), and proper use of trusts. Our IHT Calculator shows the baseline liability; consult an estate planner for personal strategies.
Understand Your UK Tax
Income Tax Guide
Everything about Income Tax rates, bands, personal allowance, and how PAYE works for employees and self-employed.
Read Guide →Capital Gains Tax Guide
Detailed guide to CGT on shares, property, and business assets. Includes allowable deductions and reporting requirements.
Read Guide →Tax Planning & Strategies
Inheritance Tax planning, income splitting, pension strategies and other legitimate tax reduction approaches.
Read Guide →HMRC Rules & Compliance
Self Assessment registration, filing deadlines, payment on account, penalties and how to deal with HMRC.
Read Guide →ISA Allowances & Rules
How to make the most of your £20,000 ISA allowance — Cash ISAs, Stocks & Shares ISAs, LISAs and Junior ISAs.
Read Guide →Tax News & Updates
Latest HMRC announcements, Budget changes, new rates and threshold updates as they happen.
Read Guide →Complex Tax Situation?
Get Professional Advice.
Our calculators give great estimates, but every tax situation is unique. Browse our in-depth guides or speak to a qualified UK tax adviser.