UK tax, worked out

Quick estimates for pay, pensions, property and more

Fifteen calculators live inside UK Budget Planner, next to your budget. The tax and pay ones use 2026/27 rates, and all of them explain the jargon as you go and link to the official guidance when you want the detail.

Pay & tax

Take-home pay

Put in your salary and see what actually reaches your bank after income tax, National Insurance, pension and student loan, by year, month or week.

Income tax by band

See how your tax splits across each band and how much of your tax-free allowance you're using.

£100k tax trap

Earning just over £100k? See how much tax-free allowance you lose, what each extra pound really costs you in tax and NI, and the pension payment that would bring your income back to £100k. It also flags that Tax-Free Childcare and funded childcare hours in England usually stop above that level.

Self-employed tax

Enter your turnover and costs to estimate income tax and Class 4 NI on your profit, how much to put aside, and whether payments on account might apply.

Rental income tax

Get a rough idea of the extra tax on rent you receive, using either your actual costs or the property allowance.

Pensions & loans

Pension tax relief

Compare paying into a pension yourself with paying through your pay (salary sacrifice). See employer contributions, any NI saved, and how your take-home changes.

Student loan repayments

Pick your plan to see this year's repayments and a year-by-year look at what you could repay before the loan is cleared or written off.

Home & property

Stamp Duty

Buying a home? Estimate the tax for England and Northern Ireland, Scotland or Wales, whether it's your main home, your first, or an additional property.

Mortgage repayment

See the monthly cost of a repayment or interest-only mortgage and the total interest over the term.

Family & work

Child Benefit charge

Check what Child Benefit you'd get and whether the High Income Child Benefit Charge takes some or all of it back.

Maternity pay

Estimate Statutory Maternity Pay and see the key dates.

Paternity pay

Estimate Statutory Paternity Pay for one or two weeks off.

Statutory sick pay

Enter your sickness dates and working days to see sick pay week by week.

Redundancy pay

Work out the minimum redundancy pay the law gives you, based on your age, years worked and weekly pay.

Benefits check

Quick links to free, independent benefits calculators listed on GOV.UK, so you can check what support you might be entitled to.

Your numbers stay on your phone

The calculators do their sums on your device. What you type in isn't sent to us. Your budget itself is stored on your phone too, unless you choose to back it up to your own Google Drive or iCloud.

Small print

All results are estimates, and the tax and pay calculators use 2026/27 rates. They're a guide to help you plan, not tax or financial advice. For your exact position, check GOV.UK or speak to a qualified adviser.