UK Tax & Salary Calculators
UK tax is complicated. There is no getting around it. PAYE, National Insurance, student loans, pension deductions, dividend tax -- they all stack on top of each other, and by the time you get your payslip, half the numbers are a mystery. If you have ever Googled "how much tax do I pay on £40k" and got ten different answers, you are not alone.
Here is the thing about the 2025/26 tax year: the personal allowance is still frozen at £12,570 (it has not moved since 2021), which means more people are being dragged into higher tax bands every year without earning a penny more in real terms. The dividend allowance has been slashed to just £500, making life harder for limited company directors. And if you are a contractor, IR35 is still the elephant in the room -- get your status wrong and your take-home drops by 20-25% overnight. From Scottish tax bands to the tapering personal allowance above £100k, the details actually matter.
These calculators let you plug in your numbers and see exactly what HMRC takes -- in plain English, with a full breakdown. Work out your real take-home pay, model what happens if IR35 catches your contract, figure out when your student loan finally gets paid off, or check if a company car or car allowance saves you more. Everything uses the latest 2025/26 rates and thresholds, and you can download a PDF to hand to your accountant instead of trying to explain it over email.
All Tax & Salary Tools (33 live)
UK Take-Home Pay Calculator Pro
Calculate your exact take-home pay after tax, NI, student loan, and pension deductions for 2025/26.
UK Limited Company Health Dashboard
Monitor your limited company finances: corporation tax, dividends, retained profit, and director salary optimisation.
IR35 Contract Rate Calculator
Compare inside vs outside IR35 take-home pay and find the break-even contract rate for your situation.
Freelance Day Rate Converter
Convert between annual salary, day rate, and hourly rate. Includes tax estimates and PDF export.
UK Redundancy Pay Calculator
Calculate your statutory redundancy pay based on age, length of service, and weekly pay for 2025/26.
Maternity/Paternity Pay Calculator
Work out your statutory maternity or paternity pay week by week, including shared parental leave options.
Pension Gap Calculator
Find out how much you need to save to retire comfortably. Models state pension, workplace, and private pensions.
Student Loan Repayment Modeller
Model your student loan repayments across Plan 1, 2, 4, and 5. See when you will pay off or have it written off.
Company Car vs Car Allowance
Compare the true cost of a company car against a car allowance, including BIK tax and fuel benefit.
Apprenticeship Levy Calculator
Calculate your apprenticeship levy liability based on total payroll and see how to spend your digital account.
Pension Auto-Enrolment Checker
Check auto-enrolment eligibility and calculate employer and employee pension contributions.
UK Holiday Pay Calculator
Calculate holiday entitlement, accrual, and pay for full-time, part-time and zero-hours workers.
UK Dividend Tax Calculator
Calculate dividend tax with personal allowance tapering, band breakdowns, and salary comparison.
Self-Assessment Tax Estimator
Estimate your self-assessment tax bill including income tax, NI, and payments on account.
Capital Gains Tax Calculator
Calculate CGT on property, shares, crypto, and business assets with relief analysis.
Inheritance Tax Calculator
Estimate IHT with nil-rate bands, gift taper relief, and BPR/APR analysis.
Crypto Tax Calculator
Calculate UK crypto tax using Section 104 pool, same-day and 30-day rules.
P11D Benefits Calculator
Calculate benefit-in-kind tax on company car, medical, gym, loans, and more.
Directors Loan Account Calculator
Calculate S455 tax, BIK charges, and repayment timelines for directors loans.
CIS Tax Deduction Calculator
Calculate CIS deductions for registered (20%) and unregistered (30%) subcontractors.
HMRC Mileage Claim Calculator
Calculate your HMRC mileage allowance at 45p per mile and tax relief.
Working From Home Tax Relief
Calculate WFH tax relief — flat rate £6/week or actual costs method.
Marriage Allowance Calculator
Check if you can transfer part of your Personal Allowance to your spouse or civil partner and how much tax you could save.
Overtime Tax Calculator
See exactly how much of your overtime pay you keep after income tax, National Insurance, and student loan deductions.
Tax Code Checker
Decode your HMRC tax code and verify whether your Personal Allowance and deductions are correct for the current tax year.
Payslip Checker
Verify your payslip is correct by checking tax, NI, pension deductions, and student loan against HMRC rates.
Employer NI Calculator
Calculate employer National Insurance contributions per employee including the Employment Allowance and thresholds.
Side Hustle Tax Calculator
Estimate the tax on your side income including the trading allowance, self-assessment thresholds, and Class 2/4 NI.
Tax Refund Checker
Check if you're owed a tax refund from HMRC for work expenses and overpaid tax.
Child Benefit Tax Calculator
Calculate Child Benefit and the High Income Child Benefit Charge (HICBC).
National Insurance Calculator
Calculate National Insurance contributions for employed, self-employed, and directors.
Pension Tax Relief Calculator
Calculate pension tax relief including higher rate claims via Self-Assessment.
Salary Sacrifice EV Calculator
Calculate savings from salary sacrifice electric car schemes with 2% BIK.
Frequently Asked Questions
How is PAYE calculated in the UK for 2025/26?
PAYE (Pay As You Earn) is calculated by HMRC using your tax code, which reflects your personal allowance and any adjustments. For 2025/26, the personal allowance remains at £12,570. Your employer deducts income tax and National Insurance from each pay packet before you receive it. The basic rate is 20% on income between £12,571 and £50,270, the higher rate is 40% up to £125,140, and the additional rate is 45% above that threshold.
What National Insurance do employees pay in 2025/26?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, and 2% on earnings above that. The primary threshold aligns with the personal allowance. Employers pay 13.8% on earnings above £9,100 (the secondary threshold). Self-employed workers pay Class 4 NI at 6% on profits between £12,570 and £50,270, plus 2% above that.
How do student loan repayments work in the UK?
Student loan repayments are deducted automatically through PAYE once your income exceeds the repayment threshold for your plan. Plan 1 (pre-2012) threshold is £24,990, Plan 2 (post-2012) is £27,295, Plan 4 (Scotland) is £31,395, and Plan 5 (from 2023) is £25,000. Repayment rates are 9% of income above the threshold. Postgraduate loans are repaid at 6% above £21,000.
What is IR35 and how does it affect contractors?
IR35 is tax legislation designed to identify contractors who work like employees but operate through a limited company. If HMRC determines you fall inside IR35, you pay roughly the same tax and NI as an employee. Since April 2021, medium and large private-sector clients are responsible for determining IR35 status. Contractors caught inside IR35 can see their take-home pay reduced by 20-25%.
How much is the UK personal allowance for 2025/26?
The UK personal allowance for 2025/26 is £12,570. This is the amount you can earn before paying any income tax. However, the personal allowance reduces by £1 for every £2 of income above £100,000, meaning it is completely eliminated at £125,140. Scotland has different income tax bands but uses the same personal allowance.
How is redundancy pay calculated in the UK?
Statutory redundancy pay is based on your age, length of service, and weekly pay (capped at £700 per week for 2025/26). You receive half a week’s pay for each full year of service aged under 22, one week’s pay for each year aged 22-40, and one and a half weeks’ pay for each year aged 41 or over. The maximum service counted is 20 years. Statutory redundancy pay is tax-free up to £30,000.
What pension contributions are required under auto-enrolment?
Under auto-enrolment, the minimum total pension contribution is 8% of qualifying earnings, with at least 3% from the employer and 5% from the employee. Qualifying earnings are between £6,240 and £50,270 for 2025/26. Employers can choose to calculate contributions on total earnings instead. Higher earners may want to contribute more to benefit from tax relief at the higher or additional rate.
How does dividend tax work for limited company directors?
Company directors often pay themselves a mix of salary and dividends to minimise tax. For 2025/26, the dividend allowance is £500. Above that, dividends are taxed at 8.75% (basic rate), 33.75% (higher rate), or 39.35% (additional rate). Dividends are taxed after other income, so they sit on top of your salary in the tax bands. There is no National Insurance on dividend income, which is why this strategy is popular.