UK Financial Calculators 2026/27

UK salary, tax and property calculators for 2026/27

This is the United Kingdom section of Kalkulo — a set of free calculators built specifically for UK rules rather than a generic, one-size-fits-all tool. Whether you are working out your monthly take-home pay, the Stamp Duty on a house purchase, what you owe as a sole trader, or how much tax a dividend will cost, each calculator applies the rates and thresholds that actually apply in Britain — and shows the full breakdown, not just a final number. Everything here uses the 2026/27 tax year (6 April 2026 to 5 April 2027) unless a page states otherwise, and every calculator carries the date it was last reviewed.

The 2026/27 tax year, in brief

The UK tax year runs from 6 April to 5 April, not the calendar year — a quirk that catches many people out when comparing figures. For 2026/27 the personal allowance (tax-free income) remains £12,570 and the higher-rate threshold £50,270. Both have been frozen since 2021 and are set to stay frozen, which means that as wages rise more income is pulled into higher tax bands each year — the effect known as fiscal drag. Above £100,000 the personal allowance is withdrawn by £1 for every £2 earned, creating an effective 60% marginal rate between £100,000 and £125,140 that our take-home and tax-trap calculators model explicitly. National Insurance, VAT (20% standard), Stamp Duty Land Tax, the dividend allowance and the Making Tax Digital thresholds each follow their own schedule; we track all of them.

Who sets the rules — and the nations

UK tax is administered by HM Revenue & Customs (HMRC), with the rates and thresholds published on gov.uk and set in the annual Finance Act. One important nuance: Income Tax is partly devolved. Our calculators apply England, Wales and Northern Ireland bands by default; Scotland sets its own six income-tax bands (starter, basic, intermediate, higher, advanced and top), so Scottish taxpayers will see a different figure, which we flag on the relevant pages. National Insurance and VAT are UK-wide, while Stamp Duty Land Tax applies in England and Northern Ireland; Scotland and Wales levy their own property-transaction taxes — LBTT and LTT — in place of SDLT.

What you can work out here

The UK set covers the questions people ask most often about money in Britain:

• Take-home pay — your net salary after Income Tax and National Insurance, with the £100k allowance taper built in.
• Sole trader tax and the dividend tax calculator for the self-employed and company directors.
• VAT — add or extract VAT at 20%, 5% or 0%, in both directions.
• Stamp Duty (SDLT) — the tax due when you buy a home, including first-time-buyer relief and the additional-property surcharge.
• Mortgage and personal loan repayments on a standard annuity basis.
• Holiday entitlement, work hours, the £100k tax trap, and the Making Tax Digital (MTD ITSA) threshold checker.

Every calculator sits above a plain-English explanation of how the figure is worked out, a worked example, the rates table it uses, and the official source — so you can check our working rather than take it on trust.

How to choose the right calculator

Start with the legal role that best describes the money you are looking at. If you are an employee, the take-home pay calculator is usually the first stop: it turns a gross salary into an estimated net amount after PAYE Income Tax and employee National Insurance. If the salary is near or above £100,000, run the same figure through the £100k tax trap calculator as well, because the personal-allowance taper can make the next pound of income behave very differently from the headline tax bands. If the question is about time rather than tax, use holiday entitlement for statutory annual leave and work hours for weekly or annual hour totals.

If you work for yourself, choose between the calculators by income type. A sole trader should begin with the sole trader tax calculator, which models taxable profit after allowable expenses. A limited-company owner taking money out as dividends should use the dividend tax calculator, because dividends sit on top of salary and other income rather than replacing them. A business that charges VAT can use the VAT calculator to add VAT to a net invoice or extract it from a gross price. And if your combined self-employment and property income is approaching the Making Tax Digital threshold, the MTD ITSA checker is the page that tells you when digital records and quarterly updates may become mandatory.

Property and borrowing use a different mental model. The Stamp Duty calculator estimates the tax due when buying residential property in England or Northern Ireland, with first-time-buyer and additional-property assumptions shown explicitly. The mortgage and personal loan calculators both use repayment-loan maths, but they answer different planning questions: a mortgage is normally larger, longer and secured on a home, while an unsecured personal loan is shorter and usually used for a car, renovation or one-off purchase. Neither calculator is a lender quote; fees, credit scoring, early-repayment charges and product-specific rules can change the real offer.

Three example routes through the UK tools

Employee offer. Suppose you receive a job offer quoted as an annual gross salary. First use take-home pay to translate that into a monthly estimate, then check work hours if the offer mixes annual salary with weekly hours, overtime or a compressed-hours pattern. If the number is close to a band edge, read the tax breakdown rather than just the final net figure: the marginal rate on the next slice of salary may not match the average rate across the whole package.

Freelancer or landlord. If you are comparing employment with self-employment, do not compare salary with turnover. Turnover is money received before costs; profit is what remains after allowable business expenses. Use the sole-trader calculator for profit, the VAT calculator if your prices or invoices include VAT, and the MTD checker if gross qualifying income is high enough that digital reporting might apply. The order matters because VAT, Income Tax, National Insurance and MTD all answer different questions.

Home buyer. A buyer planning a move can estimate monthly affordability with the mortgage calculator, then estimate the upfront tax with Stamp Duty. Those two outputs are deliberately separate: the mortgage result is about monthly cash flow over the loan term, while Stamp Duty is a purchase cost that usually has to be funded at completion. If you are also taking an unsecured loan for furniture or renovation, model that separately in the personal-loan calculator so the term and interest rate do not get mixed into the mortgage.

Terms that often cause wrong estimates

UK money pages use a few words that sound interchangeable but are not. Gross means before tax or deductions; net means after them. A threshold is the point where a rule starts to apply, while an allowance is an amount that may be taxed at 0% or disregarded before the charge is calculated. A marginal rate is the rate on the next pound; an effective rate is the tax as a percentage of the whole amount. For loans, APR and the stated interest rate are not always the same thing, because APR can include certain fees and assumes a standard comparison method. For MTD, qualifying income means gross self-employment plus property income before expenses, not taxable profit. Keeping those definitions separate avoids many of the most common calculator mistakes.

Timing matters too. A pay rise, bonus or dividend can affect the current tax year, while a Self Assessment or MTD obligation may be triggered by figures reported for an earlier period. Mortgage and loan results are monthly cash-flow estimates, but tax calculators often describe annual liability. When you compare two outputs, check whether both are monthly, annual, gross or net before deciding that one number is larger than another. Kalkulo keeps the labels close to each result row for exactly that reason: many wrong decisions come from mixing periods, bases or definitions rather than from arithmetic.

Limitations — please read

These tools are for guidance and estimation, not formal tax advice. They assume a standard tax code and do not automatically account for student-loan repayments, salary-sacrifice pension contributions, the marriage allowance, benefits-in-kind, or a non-standard tax code — any of which change your real figure. National Insurance is calculated on an annualised basis, which can differ slightly from a specific payslip. For binding amounts, or advice about your own circumstances, always check with HMRC or a qualified accountant. See our methodology & sources page for exactly how each result is derived, and our terms of use for the full disclaimer.

How we keep these accurate

We review every UK rate and threshold against primary government sources at the start of each tax year and after any fiscal event (the Budget or Autumn Statement), and we note material changes in each calculator's update log. If you spot a figure that looks out of date, please tell us via the contact page — we correct verified errors quickly. Kalkulo is published by Cosmic Production d.o.o.; more about who maintains these tools is on the About page. Last reviewed: 22 June 2026.