Financial Calculators UK 2025/26 | Tax, Mortgage, Salary, Pension Tools
Free UK financial calculators for 2025/26. Calculate income tax, National Insurance, mortgages, pensions, savings and more.
Last updated: February 2026
Financial Calculators UK 2025/26
Free UK financial calculators updated for the 2025/26 tax year. Calculate your income tax, National Insurance, mortgage payments, pension contributions, and more. All calculators use the latest HMRC rates and thresholds to give you accurate results for your financial planning.
2025/26 Tax Year Key Figures
The 2025/26 UK tax year runs from 6 April 2025 to 5 April 2026. Key thresholds you need to know:
- Personal Allowance: £12,570 (tax-free income)
- Basic Rate Threshold: £50,270 (20% tax)
- Higher Rate Threshold: £125,140 (40% tax)
- Employee NI: 8% between £12,570-£50,270
- State Pension: £230.25 per week (full new State Pension)
Tax Calculators
Calculate your UK tax liability for 2025/26. Our tax calculators cover income tax, National Insurance, VAT, Capital Gains Tax, and more. All tools use current HMRC rates and are regularly updated when tax legislation changes.
Income Tax Calculator
Calculate your UK income tax for the 2025/26 tax year. Shows tax breakdown by band, effective tax rate, and take-home pay estimates.
2025/26National Insurance Calculator
Calculate Class 1, 2 and 4 NI contributions for employees and self-employed. Includes employer NI costs.
EmployeesSelf-EmployedVAT Calculator
Add or remove VAT at standard (20%), reduced (5%) or zero rate. Essential for business pricing and invoicing.
BusinessCapital Gains Tax Calculator
Calculate CGT on property sales, shares, and other assets. Includes 2025/26 rates and £3,000 annual allowance.
2025/26Inheritance Tax Calculator
Estimate IHT on estates over the £325,000 nil-rate band. Includes residence nil-rate band calculations.
Stamp Duty Calculator
Calculate SDLT on property purchases in England and Northern Ireland. First-time buyer relief included.
Understanding UK Income Tax 2025/26
The UK operates a progressive tax system where higher earners pay a larger percentage of their income in tax. For the 2025/26 tax year, the tax bands remain frozen as part of the government's fiscal drag policy:
| Tax Band | Income Range | Tax Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 to £50,270 | 20% |
| Higher Rate | £50,271 to £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Important: If you earn over £100,000, your Personal Allowance reduces by £1 for every £2 of income above this threshold. This creates an effective 60% marginal tax rate between £100,000 and £125,140.
Salary & Pay Calculators
Work out your take-home pay, convert salary between different pay periods, and calculate employer costs. Our salary calculators help both employees understand their payslip and employers budget for staff costs.
Salary Calculator
Convert between hourly, daily, weekly, monthly and annual salary. Calculate your equivalent pay rate.
Take Home Pay Calculator
Calculate your net pay after income tax, National Insurance, student loan and pension deductions.
2025/26Payroll Calculator
Calculate employer costs including employer NI (15%) and total cost of employment.
Maternity Pay Calculator
Calculate Statutory Maternity Pay (SMP) entitlement. SMP rate is £184.03/week or 90% of earnings.
What Deductions Come Off Your Salary?
Your gross salary is reduced by several mandatory and optional deductions before you receive your take-home pay:
- Income Tax: Deducted via PAYE based on your tax code (standard code 1257L)
- National Insurance: 8% on earnings between £12,570 and £50,270, 2% above
- Student Loan: Plan 1 (9% over £26,065), Plan 2 (9% over £28,470), Plan 5 (9% over £25,000)
- Pension Contributions: Typically 5-8% employee contribution under auto-enrolment
- Salary Sacrifice: Schemes for childcare vouchers, cycle to work, electric vehicles
Savings & Investment Calculators
Plan for your financial future with our savings and investment calculators. Calculate compound interest, investment returns, and estimate your pension pot at retirement. All tools support UK-specific tax wrappers like ISAs and SIPPs.
Savings Calculator
Calculate compound interest on savings. Shows growth over time with regular deposits and annual interest.
ROI Calculator
Calculate return on investment percentage. Compare investment performance across different assets.
Stock Profit Calculator
Calculate profit/loss on share investments including brokerage fees and stamp duty.
Pension Calculator
Estimate your pension pot at retirement. Includes workplace pension, personal pension and State Pension.
Investment Calculator
Calculate potential investment growth over time. Compare lump sum vs regular investing strategies.
Tax-Efficient Saving in the UK
Maximise your returns by using tax-advantaged accounts:
- ISA Allowance: £20,000 per year tax-free (2025/26). Includes Cash ISA, Stocks & Shares ISA, and Lifetime ISA
- Lifetime ISA: Save up to £4,000/year with 25% government bonus for first home or retirement
- Pension Tax Relief: Get back 20-45% on contributions depending on your tax bracket
- Personal Savings Allowance: First £1,000 interest tax-free (basic rate), £500 for higher rate taxpayers
Loans & Mortgage Calculators
Calculate your monthly repayments for mortgages, personal loans, and car finance. Our calculators show total interest payable and help you compare different borrowing options.
Mortgage Calculator
Calculate monthly mortgage payments and total interest over the loan term. Compare repayment vs interest-only.
Loan Calculator
Calculate personal loan repayments. Shows APR, total interest, and monthly payment amounts.
Car Finance Calculator
Calculate HP, PCP and loan payments for vehicle finance. Compare different financing options.
Interest Calculator
Calculate simple and compound interest on any amount. Useful for savings and borrowing comparisons.
Understanding UK Mortgages
When buying property in the UK, most buyers need a mortgage. Here's what you need to know:
- Deposit Required: Typically 5-20% of property value. Larger deposits get better interest rates
- Loan-to-Value (LTV): Most lenders cap at 95% LTV. 90% or lower gets better rates
- Affordability: Lenders typically lend 4-4.5x your annual income
- Fixed vs Variable: Fixed rates offer payment certainty; variable rates may be lower initially
- Term Length: Standard 25 years, but terms up to 40 years are available
Remember to budget for additional costs: stamp duty, solicitor fees (£1,000-£2,000), survey costs (£300-£1,500), and moving expenses.
Business Financial Calculators
Essential financial tools for UK business owners, freelancers, and self-employed professionals. Calculate profits, VAT returns, and business rates.
Profit & Loss Calculator
Calculate gross and net profit margins for your business. Essential for financial reporting.
Break Even Calculator
Find your break-even point in units and revenue. Plan your pricing strategy.
Business Rates Calculator
Estimate business rates for commercial properties based on rateable value.
Corporation Tax Calculator
Calculate Corporation Tax with marginal relief for profits between £50,000-£250,000.
Financial Calculator FAQs
What are the UK income tax bands for 2025/26?
For the 2025/26 tax year, the Personal Allowance is £12,570 (0% tax), Basic Rate covers £12,571-£50,270 (20%), Higher Rate is £50,271-£125,140 (40%), and Additional Rate applies to income over £125,140 (45%). The Personal Allowance reduces by £1 for every £2 earned over £100,000, disappearing completely at £125,140.
How much National Insurance do I pay in 2025/26?
Employees pay 8% NI on earnings between £12,570 and £50,270 (Primary Threshold to Upper Earnings Limit), then 2% on earnings above £50,270. Employers pay 15% on earnings above £5,000 (Secondary Threshold). Self-employed pay Class 2 NI at £3.45/week and Class 4 at 6% on profits between £12,570 and £50,270, then 2% above.
What is the current UK mortgage interest rate?
As of February 2026, UK mortgage rates vary by product type. Fixed 2-year rates average around 4.5-5.5%, 5-year fixed rates around 4.2-5.0%, and tracker/variable rates typically start from Bank of England base rate plus 0.5-2%. Your actual rate depends on your deposit size (LTV), credit score, and property type.
How much stamp duty do I pay on a house purchase?
In England and Northern Ireland for 2025/26, first-time buyers pay no stamp duty on properties up to £425,000. Standard SDLT rates are: 0% up to £250,000, 5% on the portion from £250,001-£925,000, 10% on £925,001-£1.5m, and 12% above £1.5m. Additional property purchases (second homes, buy-to-let) attract a 3% surcharge on all bands.
How is Capital Gains Tax calculated in the UK?
For 2025/26, CGT rates are 18% (basic rate taxpayers) or 24% (higher rate) on residential property gains, and 18% or 24% on other assets like shares. The annual CGT allowance is £3,000. Your main residence is exempt under Private Residence Relief. Business Asset Disposal Relief offers a 10% rate on qualifying business sales up to £1m lifetime limit.
What is the UK pension annual allowance?
The pension annual allowance for 2025/26 is £60,000 per year, or 100% of your earnings if lower. You can carry forward unused allowances from the previous 3 years. High earners (over £260,000 adjusted income) face a tapered annual allowance, reducing to a minimum of £10,000. The Money Purchase Annual Allowance (MPAA) is £10,000 for those who have flexibly accessed their pension.
Related Financial Resources
Explore more calculators and guides to help manage your finances:
Expert Reviewed — All financial calculators are reviewed by our team of ACCA-qualified accountants and updated regularly with the latest UK tax rates and regulations. Last verified: February 2026.
Last updated: February 2026 | Verified with HMRC 2025/26 rates
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Understanding Your Results
Our Financial Calculators provides:
- Instant calculations - Results appear immediately
- Accurate formulas - Based on official UK standards
- Clear explanations - Understand how results are derived
- 2025/26 updated - Using current rates and regulations
Common Questions
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Yes, all our calculators are 100% free to use with no registration required.
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Our calculators use verified formulas and are regularly updated for accuracy.
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