Free UK financial calculators for 2025/26. Calculate income tax, National Insurance, mortgages, pensions, savings and more.
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.
The 2025/26 UK tax year runs from 6 April 2025 to 5 April 2026. Key thresholds you need to know:
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.
Calculate your UK income tax for the 2025/26 tax year. Shows tax breakdown by band, effective tax rate, and take-home pay estimates.
2025/26Calculate Class 1, 2 and 4 NI contributions for employees and self-employed. Includes employer NI costs.
EmployeesSelf-EmployedAdd or remove VAT at standard (20%), reduced (5%) or zero rate. Essential for business pricing and invoicing.
BusinessCalculate CGT on property sales, shares, and other assets. Includes 2025/26 rates and £3,000 annual allowance.
2025/26Estimate IHT on estates over the £325,000 nil-rate band. Includes residence nil-rate band calculations.
Calculate SDLT on property purchases in England and Northern Ireland. First-time buyer relief included.
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.
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.
Convert between hourly, daily, weekly, monthly and annual salary. Calculate your equivalent pay rate.
Calculate your net pay after income tax, National Insurance, student loan and pension deductions.
2025/26Calculate employer costs including employer NI (13.8%) and total cost of employment.
Calculate Statutory Maternity Pay (SMP) entitlement. SMP rate is £184.03/week or 90% of earnings.
Your gross salary is reduced by several mandatory and optional deductions before you receive your take-home pay:
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.
Calculate compound interest on savings. Shows growth over time with regular deposits and annual interest.
Calculate return on investment percentage. Compare investment performance across different assets.
Calculate profit/loss on share investments including brokerage fees and stamp duty.
Estimate your pension pot at retirement. Includes workplace pension, personal pension and State Pension.
Calculate potential investment growth over time. Compare lump sum vs regular investing strategies.
Maximise your returns by using tax-advantaged accounts:
Calculate your monthly repayments for mortgages, personal loans, and car finance. Our calculators show total interest payable and help you compare different borrowing options.
Calculate monthly mortgage payments and total interest over the loan term. Compare repayment vs interest-only.
Calculate personal loan repayments. Shows APR, total interest, and monthly payment amounts.
Calculate HP, PCP and loan payments for vehicle finance. Compare different financing options.
Calculate simple and compound interest on any amount. Useful for savings and borrowing comparisons.
When buying property in the UK, most buyers need a mortgage. Here's what you need to know:
Remember to budget for additional costs: stamp duty, solicitor fees (£1,000-£2,000), survey costs (£300-£1,500), and moving expenses.
Essential financial tools for UK business owners, freelancers, and self-employed professionals. Calculate profits, VAT returns, and business rates.
Calculate gross and net profit margins for your business. Essential for financial reporting.
Find your break-even point in units and revenue. Plan your pricing strategy.
Estimate business rates for commercial properties based on rateable value.
Calculate Corporation Tax with marginal relief for profits between £50,000-£250,000.
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.
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 13.8% on earnings above £9,100 (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.
As of January 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.
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.
For 2025/26, CGT rates are 18% (basic rate taxpayers) or 24% (higher rate) on residential property gains, and 10% or 20% 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.
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.
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: January 2026.
Last updated: January 2026 | Verified with HMRC 2025/26 rates
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