About calculatetax.uk

What is calculatetax.uk?

calculatetax.uk is a free UK tax calculator providing accurate take-home pay estimates for employees across England, Scotland, Wales, and Northern Ireland. We cover salary, hourly, weekly, monthly, and daily pay — plus deductions like pension contributions, student loans, and bonus tax.

All calculators use HMRC's published rates and thresholds for the 2025-26 tax year (6 April 2025 – 5 April 2026), including Scottish income tax bands set by the Scottish Parliament.

Our mission

UK tax is needlessly complex. Personal allowances, multiple NI thresholds, six Scottish income tax bands, student loan plans, pension relief — it's a lot to navigate. Our mission is to make understanding your take-home pay simple, transparent, and free.

We believe everyone deserves to understand exactly what they earn before accepting a job offer, negotiating a salary, or planning a major financial decision.

How calculations work

Our tax engine calculates:

• Income Tax — including all Scottish rate bands (Starter, Basic, Intermediate, Higher, Advanced, Top)
• National Insurance — Class 1 employee contributions (Class 2 and 4 for self-employed)
• Student loan repayments — Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate loan
• Pension contributions — salary sacrifice and relief at source
• Bonus and overtime tax — marginal rate calculations
• Capital gains tax — residential property and other assets
• Dividend tax — including the £500 dividend allowance

Calculations are estimates. They assume a standard Personal Allowance (£12,570 for 2025-26), no Marriage Allowance transfer, and no other adjustments unless specified. For precise figures, consult a qualified tax adviser or use HMRC's official tools.

Privacy and data

We don't collect personal data. Any figures entered into our interactive calculator are processed entirely in your browser and never sent to our servers. See our full privacy policy for details.

Accuracy and updates

Tax rates, thresholds, and NI rates are updated each April when the new tax year begins. This site reflects the 2025-26 rates (current). If you spot an error in our calculations, please get in touch — we take accuracy seriously.

Disclaimer

calculatetax.uk is an independent service and is not affiliated with HMRC, the UK Government, or any financial institution. All figures are estimates for informational purposes only and do not constitute financial, tax, or legal advice. Always verify important tax decisions with HMRC directly or a qualified adviser.