🆕 2026/27 Tax Rates Now Live — All 33 calculators updated with the latest HMRC thresholds
Calculators ▼
Self-Employment
Sole Trader Tax PAYE + Side Hustle Sole Trader vs Ltd Gig Driver Tax VAT Calculator Dividend Tax Second Job Tax IR35 Calculator Umbrella Pay EIS / SEIS Tax Relief P800 Tax Refund Tax-Free Childcare EV Salary Sacrifice Universal Credit ISA Calculator
Property
Buy-to-Let & Yield Stamp Duty Capital Gains Tax Airbnb Host Tax Equity Release Rent vs Buy Mortgage Overpayment Mortgage Affordability
Family & Personal
Take-Home Pay Child Benefit Marriage Allowance Tax Code Checker Student Loans Redundancy Pay Inheritance Tax Pension ISA Calculator CIS Tax Refund Hourly to Salary
Tax Guides
All Guides Tax Codes Explained Student Loan Guide Second Job Tax Guide CIS Tax Refund Guide Stamp Duty Guide Pension Tax Relief Inheritance Tax Guide Equity Release Guide
From the Blog
All Posts 5 Tax Mistakes Forgotten Expenses Payments on Account Section 24 Explained Self Assessment Checklist
Guides ▼
Tax Guides
All Guides Tax Codes Explained Student Loan Guide Second Job Tax CIS Tax Refund Stamp Duty Guide Pension Tax Relief Inheritance Tax Equity Release
Blog Downloads Try Calculator →
Updated for 2026/27 Tax Year

Free UK Tax Calculators
Accurate. Instant. Private.

33 HMRC-aligned calculators for sole traders, landlords, employees & families. No signup. No data stored. Results in seconds.

Quick take-home estimate — enter your annual income
✓ No data stored or shared
✓ 100% free, no signup
✓ Trusted by 240,000+ UK taxpayers
✓ HMRC-aligned 2026/27
✓ No data stored
✓ 100% free, no signup
✓ Trusted by 240,000+ UK users
Find the right calculator for you
33
Free Calculators
2026/27
HMRC Rates
240k+
Annual Users
4.8★
User Rating
0
Signups Required
🔥 Most used calculators
See all 33 →
💰 Take-Home Pay Salary after tax & NI 🏗 Sole Trader Tax Self-employment tax bill ⚡ PAYE + Side Hustle Extra tax on side income 📆 Second Job Tax Check your tax code 🔍 Tax Code Checker Decode 1257L, BR, D0 🏠 Stamp Duty Property purchase tax 🏅 Pension Calculator Retirement pot growth
★★★★★

"Finally a calculator that handles the 60% tax trap correctly. Saved me a fortune by showing exactly how much to put into my pension."

Sarah M.
Sole trader, London
★★★★★

"Used the buy-to-let calculator to understand Section 24. So much clearer than anything my accountant sent me. Genuinely impressed."

James T.
Landlord, Manchester
★★★★★

"The CIS refund calculator was spot on — matched my accountant's figure exactly. Bookmarked and shared with my whole crew."

Dez O.
CIS subcontractor, Birmingham
Trusted by readers of
The Guardian Telegraph Money Money Saving Expert Which? The Times
All 33 Calculators

Find your calculator

Choose your situation — every tool works instantly in your browser with no account required.

Most popular
📊
Sole Trader Tax Calculator
Calculate your upfront tax relief on startup investments
→
💼
PAYE + Side Hustle Calculator
See how much extra tax your side income creates on top of your salary
→
⚖️
Sole Trader vs Limited Company
Find out if a limited company leaves you more take-home pay
→
🚗
Gig Driver Tax Calculator
Calculate your real earnings after HMRC takes its cut from your deliveries
→
 New
📝
Second Job Tax Calculator
Check if your BR or D0 tax code is correct and see your combined pay
→
 New
💰
Dividend Tax Calculator
See how much tax you owe on dividends based on your total income
→
🧾
VAT Calculator
Instantly add, remove or reverse VAT on any amount — 20%, 5% or 0%
→
 Landlords
🏠
Buy-to-Let Tax & Yield Calculator
See your real rental profit after Section 24, tax and mortgage costs
→
🗝️
Airbnb & Short-Term Rental Tax
Find out how much HMRC takes from your short-let income
→
 New
📈
Capital Gains Tax Calculator
Calculate the tax on your property or share sale before you complete
→
 55+ owners
🏡
Equity Release Calculator
See how compound interest erodes your equity over time
→
🏘️
Rent vs Buy Calculator
Find the breakeven point where buying becomes cheaper than renting
→
 Popular
🏷️
Stamp Duty Calculator
Calculate your exact SDLT bill including first-time buyer relief
→
👶
Child Benefit Tax Charge Calculator
See how much Child Benefit you keep if you earn over £60,000
→
 Up to £1,008
💍
Marriage Allowance Calculator
Check if your couple qualifies for up to £1,008 back from HMRC
→
🔍
Tax Code Checker
Decode your HMRC tax code and spot if you are being overtaxed
→
 Popular
💰
Take-Home Pay Calculator
See exactly how much of your salary lands in your bank each month
→
🎓
Student Loan Repayment Calculator
Find out your monthly repayments and when you will clear your debt
→
👤
Redundancy Pay Calculator
Calculate your statutory entitlement and what is tax-free
→
🛡️
Inheritance Tax Calculator
See how much Inheritance Tax your estate might owe — and how to reduce it
→
 Retirement
🏆
Pension Calculator
Project your retirement pot and see your estimated monthly income
→
🏗️
CIS Tax Refund Estimator
Estimate your CIS tax rebate and find out how to claim it from HMRC
→
🔄
Hourly to Salary Converter
Convert any pay rate to annual salary and monthly take-home after tax
→
 Contractors
🏢
Umbrella Pay Calculator
See your real contractor take-home after all umbrella deductions
→
Why 240,000+ UK taxpayers use PayToolkit
📅
Updated for 2026/27
Built on official HMRC rates
💻
Runs in your browser
No data sent to any server
🔒
Zero data stored
Nothing logged or tracked
👤
No signup needed
Use instantly, anonymously
💛
Always free
No paywall, no upsell
Why PayToolkit

Built for accuracy & trust

🎯
HMRC-aligned logic
Every band, threshold and NIC rate updated for 2026/27. Personal Allowance taper, dividend stacking, Section 24 — all modelled correctly.
🔒
Completely private
All calculations run 100% in your browser. Your income never leaves your device. No account, no cookies, no tracking.
📱
Works everywhere
Designed for phone, tablet and desktop. Numeric keyboards on mobile. A sticky result bar so you never lose your number.
⚡
Instant & always free
No signup walls, no email gates, no paywalls. Click, type, see your result in seconds. Will always be free.
Recommended partners

Tools we recommend

Carefully selected services that genuinely help UK taxpayers. We earn a small commission if you sign up — at no extra cost to you.

Crunch Accounting
Fixed-fee online accounting for sole traders and Ltd companies. Self Assessment, invoicing, expenses. From £24.50/mo.
Start free trial →
Tide Business Account
Free UK business bank account. Open in minutes, no monthly fees. Built-in expenses, invoices and tax pots.
Open free account →
Mojo Mortgages
Free whole-of-market mortgage broker. Compare hundreds of deals, no fees, expert advice.
Check your rate →
Hargreaves Lansdown ISA
UK biggest investment platform. Stocks and Shares ISA, SIPP and fund accounts. Award-winning app.
Open your ISA →
💾
Save your results & compare scenarios
Use free instantly — create an optional account to save calculations and compare results later.
Try a calculator →
Free Weekly Tax Tips

Stay ahead of HMRC changes

Join 12,000+ UK taxpayers. Plain-English tax updates, deadline reminders and tips every week. Free, unsubscribe anytime.

No spam. One click to unsubscribe. We never share your email.

Start calculating in 30 seconds

No email required. No account. Just accurate numbers, instantly.

Open Sole Trader Calculator → Browse all 24 tools
All calculators
💼 Self-employment 9 calculators
🏠 Property 6 calculators
👪 Family 5 calculators
💰 Personal finance 13 calculators
★ Most popular: Sole Trader Tax →
More
📝
Blog
Tax tips & guides
📥
Free downloads
Checklists & templates
📕
Tax glossary
Plain-English definitions
ℹ️
About
Who we are
✉️
Contact
Get in touch