Your complete resource for UK tax calculations. All calculators are updated with HMRC rates for the 2025/26 tax year (6 April 2025 - 5 April 2026). Calculate income tax, National Insurance, VAT, Capital Gains Tax, and more with our free, accurate tools.
Calculate your UK income tax liability with our HMRC-compliant calculators. These tools automatically apply the correct tax bands, personal allowance tapering for high earners, and show your effective tax rate.
Calculate your 2025/26 income tax with full band breakdown, effective rate, and take-home estimate.
2025/26Official HMRC-style calculator with all deductions, allowances, and tax code support.
HMRC RatesCalculate net pay after tax, NI, student loans, and pension contributions.
Net PayComplete reference guide to all UK tax rates, bands, and thresholds.
ReferenceThe UK uses a progressive tax system where different portions of your income are taxed at different rates. For 2025/26, the thresholds remain frozen as part of the government's "fiscal drag" policy:
| Tax Band | Income Range | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 - £50,270 | 20% |
| Higher Rate | £50,271 - £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
Important: Your Personal Allowance reduces by £1 for every £2 of income over £100,000, creating an effective 60% marginal rate between £100,000 and £125,140.
Calculate National Insurance contributions for employees, employers, and self-employed individuals. NI rates changed in January 2024 with the employee rate reduced from 10% to 8%.
Calculate Class 1, 2, and 4 NI contributions with current thresholds.
All ClassesCalculate employer National Insurance costs at 13.8%.
EmployersFull payroll calculations including tax, NI, and total employment costs.
BusinessAdd or remove VAT at standard, reduced, or custom rates. Essential for businesses, freelancers, and anyone needing to calculate VAT-inclusive or VAT-exclusive prices.
Add or remove VAT at 20%, 5%, or any custom rate. Instant results.
20% / 5%Extract VAT from a gross amount to find the net price.
Remove VATCalculate taxes on property purchases, capital gains from investments, and inheritance. Includes first-time buyer relief and main residence exemptions.
Calculate SDLT on property purchases. Includes first-time buyer relief.
PropertyCalculate CGT on shares, property, and other assets. £3,000 allowance.
2025/26Estimate IHT liability including nil-rate bands and residence relief.
Estate PlanningCalculate tax on dividends with £500 allowance for 2025/26.
InvestorsCGT rates depend on your total taxable income and the type of asset:
| Asset Type | Basic Rate Taxpayer | Higher Rate Taxpayer |
|---|---|---|
| Residential Property | 18% | 24% |
| Other Assets (shares, etc.) | 10% | 20% |
| Business Asset Disposal Relief | 10% (up to £1m lifetime) | |
The annual CGT exemption is £3,000 for 2025/26 (reduced from £6,000 in 2023/24).
Tools for UK businesses including Corporation Tax with marginal relief, business rates, and self-employment tax calculations.
Calculate Corporation Tax with marginal relief for profits £50k-£250k.
CompaniesEstimate business rates based on rateable value.
CommercialCalculate tax and NI for sole traders and freelancers.
FreelancersUK income tax rates for 2025/26 are: 0% on income up to £12,570 (Personal Allowance), 20% Basic Rate on £12,571-£50,270, 40% Higher Rate on £50,271-£125,140, and 45% Additional Rate on income over £125,140. Note that Scottish taxpayers have different rates and bands set by the Scottish Parliament.
Employees pay 8% NI on earnings between £12,570 (Primary Threshold) and £50,270 (Upper Earnings Limit), then 2% on earnings above £50,270. Employers pay 13.8% on earnings above £9,100. Self-employed individuals pay Class 2 NI at £3.45 per week and Class 4 at 6% on profits between £12,570 and £50,270, then 2% above.
The standard UK VAT rate is 20%, applied to most goods and services. The reduced rate of 5% applies to home energy, children's car seats, and some energy-saving measures. Zero rate (0%) applies to most food, children's clothing, books, and newspapers. Some services like insurance, education, and healthcare are VAT exempt.
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 exempt amount is £3,000. Your main residence is exempt from CGT under Private Residence Relief. Business Asset Disposal Relief offers a 10% rate on qualifying business sales up to a £1 million lifetime limit.
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