UK Tax Calculator 2026/27

Tax year 6 Apr 2026 – 5 Apr 2027 · England / Wales / NI rates

Paye piggy

PAYE Employee Calculator

Salary, pension, student loans, other income & take-home pay.

Gross annual salary

£

Employee pension contribution

£

Annual amount (or % of salary later)

Student loan plan None Plan 1 (£26,900 · 9%) Plan 2 (£29,385 · 9%) Plan 4 (£33,795 · 9%) Plan 5 (£25,000 · 9%) Postgraduate (£21,000 · 6%) Plan 2 + Postgraduate

Other taxable income (interest, etc.)

£

Dividend income

£

Rental profit (if any)

£

Calculate Take-Home Benefits / Child Benefit Reset

PAYE Results

Description	Amount

NI: 8% £12,570–£50,270, 2% above. Student loan deducted from gross. Personal Allowance £12,570 (tapers >£100k). Simplified — excludes Scottish rates, marriage allowance, benefits-in-kind.

Landchad

Landlord Calculator

Rental profit, expenses vs property allowance, other income streams.

Rental Property

Gross rental income

£

Allowable expenses

£

Repairs, agent fees, insurance, interest (restricted), council tax if paid by you, etc.

Other Income

Employment / pension income

£

Dividends

£

Savings interest

£

Other taxable income

£

Calculate Tax Benefits / Child Benefit Reset

Landlord Results

Description	Amount

Uses expenses or £1,000 property allowance (whichever better). Finance costs restricted to basic rate tax reducer for residential properties. Property income still uses main income tax rates in 2026/27 (higher property rates from 2027/28).

Business Owner

Business Owner (Ltd Company) Calculator

Corporation tax + optimal salary/dividend extraction.

Company

Company taxable profit (before salary)

£

Trading profit after allowable expenses, before director salary

Director salary drawn

£

Often set at Personal Allowance or NI secondary threshold

Personal Extraction

Dividends taken

£

Other personal income

£

Calculate Corp + Personal Tax Benefits / Child Benefit Reset

Business Owner Results

Description	Amount

Corp Tax: 19% ≤£50k, marginal relief to 25% up to £250k, 25% above. Dividends after CT. Personal: salary + dividends stacked. Employer NI on salary above £5,000 at 15% (simplified, assumes no employment allowance claimed).

Retired

Retired / Pensioner Calculator

State pension, private pensions, investments & savings.

State Pension (annual)

£

Private / occupational pension

£

Dividend income

£

Savings / bond interest

£

Rental / other income

£

Tax-free lump sum / ISA income (info only)

£

Not taxable — shown for net cashflow

Calculate Tax Benefits / Child Benefit Reset

Retired Results

Description	Amount

Pensions taxed as non-savings income. Personal Savings Allowance & Dividend Allowance applied. Starting rate for savings may apply if non-savings income is low. No NI on pension income for most people over State Pension age.

Capitalist

Capitalist / Trader Calculator

Income tax + Capital Gains Tax on shares, crypto & other assets.

Income

Salary / trading profit / other income

£

Dividend income

£

Capital Gains (realised)

Gains on shares / funds

£

Gains on crypto

£

Gains on other assets (property, etc.)

£

Allowable capital losses

£

Calculate Income Tax + CGT Benefits / Child Benefit Reset

Capitalist Results

Description	Amount

CGT Annual Exempt Amount £3,000. Rates 18% (within basic rate band) / 24% (higher). Gains stacked on top of taxable income to determine rate. Crypto treated as chargeable assets. Unrealised gains are not taxed.

Illustrative calculators for the 2026/27 tax year using England, Wales & Northern Ireland rates. Does not constitute advice. Excludes many reliefs, Scottish rates, marriage allowance, accurate employer NI employment allowance, residential finance cost tax reducers in full detail, and complex CGT matching rules. Always verify with HMRC or a qualified adviser.