Updated for 2026/27 Tax Year
Free UK Tax Calculators
& Tax Tracker
Calculate your tax, track expenses, and know what to set aside — accurate, instant, and private. Built for UK employees, sole traders, landlords and side hustlers. No signup. No data stored. Updated for 2026/27.
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
EmployedCheck take-home, tax code & second job
Self-employedEstimate your tax bill & monthly set-aside
LandlordRental tax, stamp duty & CGT explained
Company directorFind the optimal salary & dividends mix
Side hustleSee extra tax your side income creates
FamilyChild benefit, childcare & marriage allowance
Near retirementProject your pension pot & retirement income
Second jobCheck your tax code is correct
Buying a car?Check tax, MOT & full history before you buy
Property & Landlords
Property tax tools
Buying, selling, letting or checking your council tax band — the calculators UK homeowners and landlords use most.
Council Tax Band Checker
Check the band & charge for any UK property by postcode
Stamp Duty Calculator
Your exact SDLT bill, including first-time buyer relief
Buy-to-Let Tax & Yield
Real rental profit after Section 24, tax & mortgage costs
Rent vs Buy Calculator
Find the breakeven point where buying beats renting
Capital Gains Tax Calculator
Tax on your property or share sale before you complete
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.
Reviewed by a CIMA accountant
Key calculators — including IR35, Corporation Tax, Director Salary vs Dividend and Sole Trader Tax — are reviewed by a UK-qualified CIMA accountant working in practice.
📊 Latest data
★★★★★
"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
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All tax planning toolss
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
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PAYE + Side Hustle Calculator
See how much extra tax your side income creates on top of your salary
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Sole Trader vs Limited Company
Find out if a limited company leaves you more take-home pay
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Gig Driver Tax Calculator
Calculate your real earnings after HMRC takes its cut from your deliveries
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New
Second Job Tax Calculator
Check if your BR or D0 tax code is correct and see your combined pay
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New
Dividend Tax Calculator
See how much tax you owe on dividends based on your total income
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VAT Calculator
Instantly add, remove or reverse VAT on any amount — 20%, 5% or 0%
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Landlords
Buy-to-Let Tax & Yield Calculator
See your real rental profit after Section 24, tax and mortgage costs
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Airbnb & Short-Term Rental Tax
Find out how much HMRC takes from your short-let income
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EPC Rating Guide
Check any property’s EPC rating & the 2030 landlord rules
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Check Car Tax & MOT
Free instant tax and MOT status check for any UK vehicle
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MOT History Check
Free official DVSA MOT test history for any UK vehicle
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£6.99Full Vehicle Report
Provenance, valuation & spec check for any UK vehicle
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New
Capital Gains Tax Calculator
Calculate the tax on your property or share sale before you complete
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55+ owners
Equity Release Calculator
See how compound interest erodes your equity over time
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Rent vs Buy Calculator
Find the breakeven point where buying becomes cheaper than renting
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Popular
Stamp Duty Calculator
Calculate your exact SDLT bill including first-time buyer relief
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Council Tax Band Checker
Check the council tax band and annual charge for any UK property by postcode
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New
Tax Set-Aside Calculator
How much to save monthly for your Self Assessment bill
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New
Payslip Checker
Check if your tax and NI deductions are correct
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New
Bonus Tax Calculator
How much of your bonus you keep after tax
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New
Pay Rise Calculator
Extra take-home pay after your salary increase
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New
Net to Gross Calculator
What salary do you need for your desired take-home?
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New
Reverse Tax Calculator
Work backwards from take-home pay to find your gross salary
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New
Compound Interest Calculator
See how savings grow when interest earns interest
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New
Emergency Fund Calculator
How many months of expenses you should keep in cash
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New
How Much Do I Need to Retire?
Turn a target income into a retirement pot number
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New
Mortgage Repayment Calculator
Monthly payments and total interest for any loan
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New
Corporation Tax Calculator
Calculate your limited company Corporation Tax with marginal relief
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New
Director Salary vs Dividend
Find the most tax-efficient way to pay yourself
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New
Employer NI Calculator
Calculate employer National Insurance for any salary
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New
Employer Cost Calculator
The true cost of hiring an employee in the UK
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New
National Insurance Calculator
All NI classes explained — employee, employer, self-employed
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New
Pension Tax Relief Calculator
See how much tax relief you get on pension contributions
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New
Pension Annual Allowance
Check how much you can contribute before a tax charge
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New
Statutory Sick Pay Calculator
Work out exactly how much SSP is due
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New
Maternity Pay Calculator
Calculate Statutory Maternity Pay over 39 weeks
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New
Holiday Pay Calculator
Statutory holiday entitlement, including irregular hours
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New
Payslip Generator
Create and download a professional payslip in seconds
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Child Benefit Tax Charge Calculator
See how much Child Benefit you keep if you earn over £60,000
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Up to £1,008
Marriage Allowance Calculator
Check if your couple qualifies for up to £1,008 back from HMRC
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Tax Code Checker
Decode your HMRC tax code and spot if you are being overtaxed
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Overtime Calculator
Work out your overtime pay rate and total overtime pay from your salary
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Popular
Take-Home Pay Calculator
See exactly how much of your salary lands in your bank each month
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Student Loan Repayment Calculator
Find out your monthly repayments and when you will clear your debt
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Redundancy Pay Calculator
Calculate your statutory entitlement and what is tax-free
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Inheritance Tax Calculator
See how much Inheritance Tax your estate might owe — and how to reduce it
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Retirement
Pension Calculator
Project your retirement pot and see your estimated monthly income
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CIS Tax Refund Estimator
Estimate your CIS tax rebate and find out how to claim it from HMRC
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Hourly to Salary Converter
Convert any pay rate to annual salary and monthly take-home after tax
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Contractors
Umbrella Pay Calculator
See your real contractor take-home after all umbrella deductions
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IR35 Calculator
Find out how much extra tax an inside-IR35 contract costs you
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EV Salary Sacrifice Calculator
See your true saving on an electric car through employer salary sacrifice
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EIS & SEIS Tax Relief Calculator
Calculate upfront tax relief on startup investments
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Salary Comparison
Compare two salaries after tax and see your real take-home difference
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Mortgage Affordability Calculator
Find out how much you can borrow based on your income and outgoings
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Mortgage Overpayment Calculator
See how much interest you save by overpaying your mortgage each month
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NewCrypto Tax Calculator
Calculate CGT on Bitcoin, Ethereum and other crypto assets 2026/27
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ISA Calculator
See how your ISA grows tax-free over time with compound interest
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Tax-Free Childcare Calculator
Find out how much the government tops up your childcare payments
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Universal Credit Calculator
Estimate your Universal Credit entitlement based on your circumstances
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P800 Tax Refund Calculator
Work out if you're owed a tax refund and how to claim it from HMRC
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Popular free downloads
UK Tax Rates Quick Reference Card 2026/27
Income tax bands, NIC rates, VAT, CGT, IHT and allowances on one printable page.
Self Assessment Checklist 2026/27
All documents and information you need before filing your tax return.
Landlord Income & Expense Tracker 2026/27
Mapped to SA105 tax return boxes, handles Section 24 mortgage interest correctly.
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Tide Business Account
Free UK business bank account. Open in minutes, no monthly fees. Built-in expenses, invoices and tax pots.
Open free account →Save your results & compare scenarios
Use free instantly — create an optional account to save calculations and compare results later.
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
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
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.
50+ free calculators
2026/27 HMRC rates
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