Start here: find the right tax tools for your situation

I am an employee

Start here if you are paid through PAYE and want to know what you keep, whether your tax code is right, or whether HMRC owes you money. First check your take-home pay, then check your tax code against your payslip.

Calculators and tools

• Take-home pay calculator – What a salary is worth after tax, National Insurance, pension and student loan.
• Tax code checker – See what your tax code means and whether it looks right.
• Payslip checker – Compare your payslip with what it should be.
• P800 tax refund calculator – Estimate a refund before you claim.
• Pay rise calculator – How much of a pay rise you actually keep.

Guides

• Tax codes explained – Every code letter and emergency codes.
• PAYE explained – How tax and National Insurance come off your pay.
• UK tax brackets 2026/27 – The bands and rates in one place.

Free downloads

• Tax code decoder card – One-page PDF.
• Tax refund claim checklist – One-page PDF.
• P87 expenses worksheet – One-page PDF.
• New starter checklist guide – One-page PDF.

I am self-employed

Start here if you are a sole trader, freelancer or contractor filing Self Assessment. Work out your bill, set money aside every month, and keep your records so the return does not become a weekend job.

Calculators and tools

• Sole trader tax calculator – Income Tax and Class 4 National Insurance on your profit.
• Tax set-aside calculator – How much of each payment to put aside for tax.
• Self Assessment penalty calculator – Late filing and payment penalties and interest.
• Making Tax Digital checker – Find out whether and when MTD applies to you.
• Expense tracker – Log expenses and mileage through the year.
• Profit and loss tracker – Income against expenses, free.
• What can I claim? – Allowable expenses explained.

Guides

• Payments on account explained – Why January can cost double.
• Self Assessment checklist 2026/27 – Step by step.

Free downloads

• Self Assessment checklist – PDF.
• Pay your bill checklist – One-page PDF.
• SA302 and tax year overview guide – One-page PDF.
• CIS expense tracker template – Template.

I own or let property

Start here if you rent out property or are buying to let. Check the tax on your rental profit and on a sale, and make sure you understand how mortgage interest is treated.

Calculators and tools

• Landlord hub – Everything for landlords in one place.
• Buy-to-let tax and yield calculator – Rental profit, tax and yield.
• Capital Gains Tax calculator – Tax when you sell a property or asset.
• Stamp Duty calculator – Including the higher rates for additional homes.
• Airbnb host tax calculator – Tax on short-let income.

Guides

• Section 24 explained – How mortgage interest relief works for landlords.

Free downloads

• FHL transition checklist – One-page PDF.

I run a limited company

Start here if you are a company director paying yourself through salary and dividends. Compare the ways of taking money out, then check the employer-side costs.

Calculators and tools

• Director salary vs dividend calculator – The best mix of salary and dividends.
• Sole trader vs limited company – Which structure leaves you with more.
• Corporation Tax calculator – Company profit and tax.
• Dividend tax calculator – Tax on dividends you take.
• Employer NI calculator – Employer National Insurance on salaries.
• Company car tax calculator – Benefit in Kind tax and Class 1A NI.

Guides

• Employer NI explained – How employer National Insurance works.
• Payroll setup guide – Setting up payroll for the first time.
• Employer and director guide – Which payroll calculator to use.

Free downloads

• P11D and benefits in kind explainer – One-page PDF.

I have a side hustle or second job

Start here if you earn extra on top of a job: freelance work, gig driving, online selling or a second employer. Check how the extra income is taxed and whether you need to report it.

Calculators and tools

• PAYE and side hustle calculator – Tax on a job plus self-employed income.
• Second job tax calculator – Tax on income from a second job.
• Gig driver tax calculator – Tax for delivery and ride-hailing drivers.
• Freelancer day rate calculator – The day rate you need to charge.
• Crypto tax calculator – Capital Gains Tax on crypto.

Guides

• Second job tax explained – Why a second job is taxed the way it is.
• Expenses side hustlers forget – Costs you can usually claim.

I am planning for retirement

Start here if you are paying into a pension or checking your State Pension. See what your contributions are worth after tax relief, and whether gaps in your National Insurance record are worth filling.

Calculators and tools

• Pension calculator – Project what your pension could be worth.
• Pension tax relief calculator – The tax relief on your contributions.
• Pension annual allowance calculator – How much you can pay in each year.
• State Pension forecast calculator – Estimate your State Pension.
• NI gap checker – Find gaps in your National Insurance record.
• Voluntary NI contributions calculator – Is paying to fill a gap worth it?

Guides

• Pension tax relief guide – The three methods explained.
• Pension and statutory pay guide – Which calculator to use.

I have a family or I am buying a home

Start here if you are raising children, claiming benefits or buying a home. Check Child Benefit and childcare, Marriage Allowance, and the cost of buying.

Calculators and tools

• Child Benefit tax calculator – The High Income Child Benefit Charge.
• Tax-Free Childcare calculator – What the government adds to your childcare costs.
• Marriage Allowance calculator – Transfer part of your allowance to a partner.
• Maternity pay calculator – Statutory Maternity Pay.
• Stamp Duty calculator – Including first-time buyer relief.
• Mortgage affordability calculator – What you might be able to borrow.
• Council tax band checker – Check your band and what you pay.

Guides

• Stamp Duty for first-time buyers – The relief explained.

Not sure where to begin?

Try the take-home pay calculator for a quick answer, browse all calculators, or read the full guides library. Every rate links back to its official source on the sources page, and corrections are listed in the changelog. The tools give estimates and are not tax advice.