Free UK tax, pay and benefits calculators

• UK £100k tax trap: what does the pension contribution really cost? Free, private

  Free UK 60% tax trap calculator for pay between £100,000 and £125,140: your real marginal rate, the pension contribution that restores your personal allowance and childcare, and…

• UK bonus tax calculator: how much of my bonus do I keep? Free, private

  Free UK bonus tax calculator for 2026/27: how much of a bonus you keep after income tax, National Insurance, student loan, the 60% personal allowance trap and the Child Benefit…

• Capital allowances calculator: what can I deduct for equipment? Free, private

  Free UK capital allowances calculator: how much of your equipment spend you can deduct this year under the Annual Investment Allowance, full expensing and writing-down allowances…

• UK Capital Gains Tax calculator 2025/26 and 2026/27: how much CGT do I owe? Free, private

  Free UK Capital Gains Tax calculator for 2025/26 and 2026/27: enter the sale, costs, losses and your income to see the tax at 18% and 24%, the annual exempt amount and how to…

• UK Child Benefit charge calculator: how much do you lose over £60,000? Free, private

  Free UK High Income Child Benefit Charge calculator: enter your income, pension and Gift Aid to see the clawback, how much pension avoids it, and whether to opt out of payments…

• UK CIS deduction and refund calculator: free, private

  Free UK CIS calculator for subcontractors: see the 20% or 30% deduction on an invoice, estimate your Self Assessment bill and Class 4 NI, and find out how much CIS tax you can…

• Company car tax calculator: what will this car cost me in tax? Free, private

  Free UK company car tax calculator for 2026/27: benefit in kind for electric, plug-in hybrid and petrol or diesel cars, monthly tax at your rate, employer Class 1A, free-fuel…

• UK Crypto CGT Calculator — free, private, in your browser

  Free UK crypto capital gains calculator. Paste your buys, sales, swaps and staking income as a CSV and it applies HMRC's same-day, 30-day and Section 104 pooling rules, works out…

  2 questions answered

• Director's loan s455 calculator: how much tax and by when? Free, private

  Free UK director's loan calculator: the s455 tax on an overdrawn director's loan account, the date it is due, the benefit-in-kind on loans over £10,000, and whether a dividend, a…

• UK dividend tax calculator: how much tax on my dividends? Free, private

  Free UK dividend tax calculator for 2025/26 and 2026/27: enter your other income and dividends to see tax by band, the £500 dividend allowance and the cost of your next £1,000…

• EIS and SEIS calculator: what does my investment really cost? Free, private

  Free UK EIS and SEIS calculator: income tax relief you can actually use, CGT deferral or reinvestment relief, loss relief if the company fails, and the break-even sale price. Runs…

• EMI options tax calculator: what will I keep when I sell? Free, private

  Free UK EMI option tax calculator: income tax on any discount, Capital Gains Tax with Business Asset Disposal Relief, what you keep after a sale, and a comparison with an…

• UK cost of hiring an employee: salary + employer NI + pension + extras. Free, private

  Free UK employer cost calculator: salary plus 15% employer National Insurance, workplace pension, Employment Allowance, equipment and recruitment. See the true monthly and…

• Gift Aid higher rate relief calculator: what does my donation really cost? Free, private

  Free UK Gift Aid calculator for higher and additional rate taxpayers: what the charity receives, the relief you reclaim, the carry-back to last tax year, and the gift that wins…

• UK holiday entitlement and holiday pay calculator: part-time, starters, leavers, irregular hours. Free, private

  Free UK holiday entitlement calculator: 5.6 weeks pro-rated for part-time, starters and leavers, plus the 12.07% method for irregular hours, and what unused days are worth. Runs…

• UK Inheritance Tax calculator: how much IHT on an estate? Free, private

  Free UK Inheritance Tax calculator for deaths from April 2025: £325,000 nil-rate band, £175,000 residence nil-rate band with the £2 million taper, transferred spouse allowances…

• IR35 inside vs outside, 2026/27: what the same day rate really pays

  Free UK IR35 calculator: compare contractor take-home outside IR35 (own limited company, best salary and dividends) and inside IR35 (umbrella), and find the inside day rate that…

• UK landlord Section 24 calculator: how much extra tax on my mortgage interest? Free, private

  Free UK landlord Section 24 calculator for 2025/26 and 2026/27: enter rent, costs, mortgage interest and other income to see your tax bill, the 20% finance cost credit and how…

• Late payment interest calculator: what can I charge on an overdue invoice? Free, private

  Free UK late payment interest calculator: statutory interest at 8% over base rate, fixed compensation of £40, £70 or £100 and a ready-to-send demand letter for an overdue business…

• Lifetime ISA or pension? Compare them on your own numbers. Free, private

  Free UK Lifetime ISA vs pension calculator: per £1 of take-home pay, which pot is worth more at 60, for a first home or if you withdraw early, and the retirement tax rate or…

• UK Marriage Allowance calculator: do we qualify and what can we claim back? Free, private

  Free UK Marriage Allowance calculator for 2025/26 and 2026/27: enter both partners' incomes to see if you qualify, how much tax you save (up to £252 a year) and what a four-year…

• UK Mileage Allowance Calculator 2026/27. Free, private

  Free UK business mileage calculator using HMRC approved rates (45p/25p). Employees: see tax relief on what your employer under-pays. Self-employed: compare simplified mileage with…

• UK minimum wage checker 2026/27. Free, private

  Free UK minimum wage checker for 2026/27: enter pay, hours worked, deductions and accommodation to see the effective hourly rate against the National Living Wage and NMW, the…

• UK money tools finder: which tax or pay calculator do I need? Free, private

  Tick what applies to you (employee, Scottish taxpayer, landlord, contractor, director, parent, buying a home) and get the right free UK tax, pay and employment calculators from 55…

• UK mortgage overpayment calculator: how much interest and time will I save? Free, private

  Free UK mortgage overpayment calculator: interest saved, years cut off the term, overpaying vs saving, the 10% early repayment charge allowance, and the overpayment needed to be…

• Making Tax Digital checker: your start date and deadlines. Free, private

  Free UK Making Tax Digital for Income Tax checker: enter your gross self-employment and property income to see if you must join, from which date (April 2026, 2027 or 2028), and…

• UK payments on account calculator: what do I owe on 31 January and 31 July? Free, private

  Free UK payments on account calculator: enter your Self Assessment bill to see the balancing payment, the two advance instalments, why your first January bill is about 150%, and…

• UK pension annual allowance: taper, carry forward and the charge. Free, private

  Free UK pension annual allowance calculator: your tapered allowance for incomes over £260,000, carry forward from the last three years, how much you can still pay in, and the tax…

• Pension withdrawal tax calculator: how much will I keep? Free, private

  Free UK pension withdrawal tax calculator: how much of a lump sum or UFPLS is tax-free, the tax you really owe, the emergency tax refund to expect and how spreading it over tax…

• R&D tax credits calculator: what is my claim worth? Free, private

  Free UK R&D tax relief calculator: what the merged scheme credit or R&D-intensive loss-maker relief is worth in cash or tax, the PAYE and NIC cap, and what a claims agency's…

• UK redundancy pay calculator: what am I owed and how much is tax-free? Free, private

  Free UK statutory redundancy pay calculator: enter your dates and weekly pay to see your redundancy pay, the weekly cap, your minimum notice and how much of it is tax-free. Runs…

• UK Rent a Room Relief calculator: relief or expenses, which is cheaper? Free, private

  Free UK Rent a Room Relief calculator for 2025/26 and 2026/27: enter your rent, expenses and other income to see whether the £7,500 relief or the normal rules costs less tax. Runs…

• Salary sacrifice calculator: how much does my pension really cost me? Free, private

  Free UK salary sacrifice pension calculator for 2026/27: the same contribution by salary sacrifice, net pay and relief at source side by side, with income tax, National Insurance…

• Do I pay tax on my savings interest? Free, private UK calculator

  Free UK savings interest tax calculator: how much tax you owe on bank and building society interest after the personal allowance, the 0% starting rate for savings and the Personal…

• Scottish income tax calculator: what do I keep from my salary in Scotland? Free, private

  Free Scottish income tax calculator for 2026/27: the six Scottish bands (19% to 48%), National Insurance, student loan and pension, with monthly and weekly take-home pay and a…

• UK Self Assessment late penalty calculator: what does filing late cost? Free, private

  Free UK Self Assessment late penalty calculator: enter your tax year, tax owed and the dates you filed and paid to see late filing penalties, late payment penalties, interest and…

• Self Assessment tax calculator: what will I owe on 31 January? Free, private

  Free UK Self Assessment tax calculator for 2025/26: combine employment, self-employed profit, rental income, savings and dividends. See income tax, Class 4 NIC, student loan, the…

• UK Self-Employed Tax Set-Aside Calculator. Free, private

  Free UK self-employed tax calculator: enter income and expenses to see income tax, Class 4 National Insurance, student loan, payments on account and how much of every invoice to…

• UK Shared Parental Pay planner 2026/27. Free, private

  Free UK Shared Parental Pay planner for 2026/27: enter both parents' earnings and employment dates, choose how many weeks of maternity pay the mother takes, and compare how…

• Simplified expenses or actual costs? Which claim is bigger for a UK sole trader

  Free UK simplified expenses calculator for sole traders: compare HMRC's 45p/25p mileage rate and £10/£18/£26 use-of-home flat rate with your actual costs and see which claim is…

• Sole trader vs limited company, UK 2026/27: what you actually keep

  Free UK calculator: compare what you keep as a sole trader or limited company director in 2026/27. Finds the best salary and dividend split, shows every tax line, and flags the…

• UK Stamp Duty calculator: how much SDLT on my house? Free, private

  Free UK Stamp Duty (SDLT) calculator for England and Northern Ireland from April 2025: standard rates, first-time buyer relief, the 5% second home and buy-to-let rate and the 2%…

• UK State Pension NI years checker 2026/27. Free, private

  Free UK State Pension checker for 2026/27: your State Pension age, projected qualifying years, whether to buy voluntary Class 3 National Insurance years, the cost, the extra…

• UK Statutory Maternity Pay calculator 2026/27. Free, private

  Free UK SMP calculator for 2026/27: enter the due date, average weekly earnings and employment start to check eligibility, the qualifying week, the 39-week pay schedule and…

• UK Statutory Residence Test checker: which test decides, and how many days you have left. Free, private

  Free UK Statutory Residence Test checker: enter your UK stays and ties to see which test decides, whether you are UK resident, and how many more days you can spend in the UK…

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• UK Statutory Sick Pay calculator 2026/27. Free, private

  Free UK SSP calculator for 2026/27: enter average weekly earnings, qualifying days and sickness dates to see the weekly and daily rate, days paid and total SSP due, including the…

• UK student loan calculator: will yours be written off? Is overpaying worth it? Free, private

  Free UK student loan calculator for Plan 1, 2, 4, 5 and Postgraduate loans: monthly deduction, when you clear it, how much is written off, and whether overpaying is worth it. Runs…

• UK take-home pay calculator: what do I keep from my salary? Free, private

  Free UK take-home pay calculator for 2025/26: income tax, National Insurance, student loan and pension by salary sacrifice, net pay or relief at source, with monthly and weekly…

• UK tax code checker 2026/27. Free, private

  Free UK tax code checker for 2026/27: decode any PAYE tax code (1257L, BR, 0T, K, M1/W1 emergency), see if your payslip tax matches it, estimate an overpayment, and work out what…

• Childcare costs after free hours and Tax-Free Childcare: free, private calculator

  Free UK Tax-Free Childcare and 30 hours calculator for England: do you qualify, the value of free hours, the 20% top-up, what you pay a month and the Universal Credit alternative…

• UK trading allowance calculator: claim £1,000 or deduct expenses? Free, private

  Free UK trading allowance calculator: enter your side-hustle income and expenses to see whether to claim the £1,000 allowance or deduct costs, with the income tax and Class 4 NIC…

• Umbrella company calculator: what do I keep from my day rate? Free, private

  Free UK umbrella company calculator for 2026/27: enter your agency day rate and see employer NI, umbrella margin, tax, NI and take-home pay per day, week and month, plus the day…

• UK Unfair Dismissal Compensation Calculator 2026/27. Free, private

  Free UK unfair dismissal compensation estimate: basic award, compensatory award, the 52-week cap, Polkey and ACAS adjustments, and your claim deadline. Runs in your browser…

• Flat Rate Scheme or standard VAT? Which is cheaper for a UK small business

  Free UK VAT Flat Rate Scheme calculator: compare the flat rate for your trade, the 16.5% limited cost trader rate and the 1% first-year discount with standard VAT accounting and…

• Do I need to register for VAT? UK £90,000 threshold checker

  Free UK tool: paste your monthly sales to see if your rolling 12-month turnover has passed the £90,000 VAT threshold, the date you must tell HMRC, when registration starts, and…

• UK working from home tax relief: what can you still claim back?

  Free UK calculator: the £6 a week working from home tax relief ended in April 2026, but 2022/23 to 2025/26 can still be claimed. See your refund per year and each deadline. Runs…

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