🆕 2026/27 Tax Rates Now Live — All 53+ calculators updated with the latest HMRC thresholds
Updated for 2026/27 Tax Year

Free UK Tax Calculators
Accurate. Instant. Private.

53+ 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
53+
Free Calculators
2026/27
HMRC Rates
240k+
Annual Users
4.8★
User Rating
0
Signups Required
🔥 Most used calculators
See all 53+ →
📊 Latest data
🏠
Council Tax Rates 2026/27
Every UK council ranked, from most to least expensive
💰
UK Take-Home Pay Report 2026/27
Tax, NI & take-home at every salary band, plus the fiscal drag story
★★★★★

"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 53+ 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
🏠
Council Tax Band Checker
Check the council tax band and annual charge for any UK property by postcode
New
📈
Tax Set-Aside Calculator
How much to save monthly for your Self Assessment bill
New
📋
Payslip Checker
Check if your tax and NI deductions are correct
New
🎁
Bonus Tax Calculator
How much of your bonus you keep after tax
New
📅
Pay Rise Calculator
Extra take-home pay after your salary increase
New
💵
Net to Gross Calculator
What salary do you need for your desired take-home?
New
🔄
Reverse Tax Calculator
Work backwards from take-home pay to find your gross salary
New
📈
Compound Interest Calculator
See how savings grow when interest earns interest
New
🛡
Emergency Fund Calculator
How many months of expenses you should keep in cash
New
🏁
How Much Do I Need to Retire?
Turn a target income into a retirement pot number
New
🏠
Mortgage Repayment Calculator
Monthly payments and total interest for any loan
New
🏢
Corporation Tax Calculator
Calculate your limited company Corporation Tax with marginal relief
New
💼
Director Salary vs Dividend
Find the most tax-efficient way to pay yourself
New
👥
Employer NI Calculator
Calculate employer National Insurance for any salary
New
💰
Employer Cost Calculator
The true cost of hiring an employee in the UK
New
📋
National Insurance Calculator
All NI classes explained — employee, employer, self-employed
New
💰
Pension Tax Relief Calculator
See how much tax relief you get on pension contributions
New
📊
Pension Annual Allowance
Check how much you can contribute before a tax charge
New
🏥
Statutory Sick Pay Calculator
Work out exactly how much SSP is due
New
👶
Maternity Pay Calculator
Calculate Statutory Maternity Pay over 39 weeks
New
🏖
Holiday Pay Calculator
Statutory holiday entitlement, including irregular hours
New
📄
Payslip Generator
Create and download a professional payslip in seconds
👶
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
🏢
IR35 Calculator
Find out how much extra tax an inside-IR35 contract costs you
EV Salary Sacrifice Calculator
See your true saving on an electric car through employer salary sacrifice
🚀
EIS & SEIS Tax Relief Calculator
Calculate upfront tax relief on startup investments
⚖️
Salary Comparison
Compare two salaries after tax and see your real take-home difference
🏡
Mortgage Affordability Calculator
Find out how much you can borrow based on your income and outgoings
💳
Mortgage Overpayment Calculator
See how much interest you save by overpaying your mortgage each month
New
Crypto Tax Calculator
Calculate CGT on Bitcoin, Ethereum and other crypto assets 2026/27
💰
ISA Calculator
See how your ISA grows tax-free over time with compound interest
👶
Tax-Free Childcare Calculator
Find out how much the government tops up your childcare payments
💷
Universal Credit Calculator
Estimate your Universal Credit entitlement based on your circumstances
📬
P800 Tax Refund Calculator
Work out if you're owed a tax refund and how to claim it from HMRC
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.

NEW FEATURE

Track expenses & pay less tax

Track income and expenses, scan receipts with AI, and see your real profit — all in one free UK tax tracker built for self-employed workers.

Income tracking with live net profit
AI receipt scanner — snap a photo, done
Mileage tracker at 55p/mile — auto-calculated
Profit & Loss PDF — ready for your accountant
Free to start — no credit card needed
Start free — no card needed → See how it works
Claimable
£2,840
this tax year
Tax saving
£568
at 20% rate
Shell Petrol
Fuel & Petrol
£65.00
~ Partial
🔧
Screwfix
Tools & Equipment
£142.00
✓ Yes
🚗
Client visit — 45 miles
Mileage @ 55p/mile
£20.25
✓ Yes

Start calculating in 30 seconds

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

Open Sole Trader Calculator → Browse all 53+ tools
👨‍💻
Who built this

Built by one person who needed this

PayToolkit started because I couldn't find a single place to get accurate, free UK tax answers without being upsold, asked for an email, or shown results that didn't match HMRC methodology. So I built it myself.

Every calculator uses the same HMRC formulas your accountant uses. No ads. No tracking. No paywalls. Just accurate numbers — for freelancers, employees, landlords, and everyone in between.

53+ free calculators
2026/27 HMRC rates
0 ads or paywalls
No signup required
Read the full story →
How we keep this accurate

Built on official HMRC rates, not guesswork

📋
Sourced from GOV.UK
Every calculator links directly to the official HMRC page for the rates it uses, so you can verify the source yourself
🔄
Updated for 2026/27
All tools reflect current tax year thresholds, including mid-year changes like the April 2026 Statutory Sick Pay reforms
🔒
Nothing leaves your browser
Every calculation runs client-side. No figures you enter are ever sent to or stored on our servers

PayToolkit is not a firm of accountants and this is not financial advice. For complex situations, always confirm with HMRC or a qualified adviser. Read more about how PayToolkit works →

All calculators
💼 Self-employment 9 calculators
🏠 Property 9 calculators
👪 Family 5 calculators
💰 Personal finance 13 calculators
★ Most popular: Sole Trader Tax →
More