Updated for tax year 2026/27
Tax, mortgages, savings, salary, health and more — 91 calculators built for the UK and updated each tax year against HMRC reference data.
Employer NI raised to 15%
From April 2025, employer NI rises from 13.8% to 15%.
NLW now £12.71/hr
National Living Wage for 21+ increased from £12.21 in April 2026.
SDLT cliff extended
First-time buyer nil-rate band stays at £300,000 until 31 March 2025.
EV road tax begins
Zero-emission cars pay £195/yr VED from April 2025.
Calculator of the week
Check your take-home pay under the new 2025/26 National Insurance rates and frozen Personal Allowance.
8 categories · 91 calculators · all updated for 2026/27
Income tax, NI, VAT, stamp duty and more
Mortgage payments, stamp duty, rental yield
Savings, compound interest, ISA, loans
Take-home pay, redundancy, maternity pay
BMI, calories, ideal weight, due date
Fuel costs, MPG, road tax, running costs
Electricity, gas, energy bills, council tax
Age, percentage, tip, unit converter
Every tax calculator is unit-tested against published HMRC worked examples for 2026/27. See our methodology and sources.
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The UK tax system combines Income Tax, National Insurance, Capital Gains Tax, Inheritance Tax and VAT — each with its own thresholds, reliefs and interaction effects. Our tax calculators use the live 2026/27 HMRC rates: £12,570 Personal Allowance, 20% basic rate to £50,270, 40% higher rate to £125,140, and 45% additional rate above. Scottish taxpayers get a separate six-band schedule (Starter 19% → Top 48%). Employee National Insurance sits at 8% main / 2% upper; employer NI rose to 15% in April 2025. Use our Income Tax calculator, Take-Home Pay calculator or VAT calculator to instantly convert gross figures to net.
Buying a home involves overlapping calculations: monthly repayment (principal + interest), Stamp Duty Land Tax (SDLT) in England and Northern Ireland, LBTT in Scotland, LTT in Wales, and affordability against your income. From April 2025 the SDLT nil-rate threshold returned to £125,000 (£300,000 for first-time buyers up to £500,000). Our Mortgage calculator and Stamp Duty calculator cover all four nations and additional-property surcharges.
UK employees are taxed at source through PAYE. The standard tax code 1257L applies your Personal Allowance across 12 monthly payslips. Add student loan deductions (Plan 1/2/4/5/Postgraduate), pension auto-enrolment (5% employee + 3% employer minimum), and the new employer NI rate, and your net pay can be significantly less than your contract salary. The National Living Wage reached £12.71/hr for workers aged 21+ from April 2026. Our Salary Sacrifice calculator shows how pension contributions reduce your NI bill as well as your income tax.
The £20,000 annual ISA allowance is fully tax-free on both income and gains — one of the most generous wrappers in the developed world. The Lifetime ISA (LISA) pays a 25% government bonus on up to £4,000 per year (£1,000 max bonus) for first-time buyers or retirement saving. Pension Annual Allowance sits at £60,000 (or 100% of earnings, whichever is lower). Personal Savings Allowance shields the first £1,000 of interest at basic rate, £500 at higher rate. Our Compound Interest calculator and ISA calculator project long-term growth with realistic UK interest rates.
If you earn in pounds but budget — or send money — in another currency, what matters is your pay after UK tax and conversion. Our Salary in Foreign Currency calculator shows your take-home pay in Polish zloty, Ukrainian hryvnia, Romanian leu or euro at a live mid-market rate, and the Currency & Transfers hub explains the cheapest ways to send money home from the UK.
CalcHub.uk calculators are for illustrative purposes only and do not constitute financial, tax or legal advice. Always verify important decisions with a qualified professional. Rates verified against HMRC, ONS, Ofgem and NHS sources — see our methodology and sources.