TOOLS
UK tax calculators
45 free calculators covering Self Assessment, CIS, dividends, VAT, Corporation Tax, payroll and more — instant estimates, no sign-up, built on the same engines ac-co uses to file.
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- ✓The same engine drafts your real return once you're ready
Salary & take-home pay
Take-Home Pay (PAYE) CalculatorPopularUK employees get a tax-free Personal Allowance of £12,570, then pay Income Tax at 20%, 40% or 45% and employee National Insurance at 8% and 2% on the rest (gov.uk). This calculator converts any gross salary into monthly take-home pay.Gross to Net & Net to Gross CalculatorPopularEmployers pay Class 1 National Insurance at 15% on an employee's earnings above the £5,000 secondary threshold, on top of the employee's own Income Tax and NI (gov.uk). This calculator converts gross to net pay, or works backwards from a net target, including that employer cost.Salary Sacrifice CalculatorPopularSalary sacrifice swaps salary for a pension contribution before tax and National Insurance are calculated, so a basic-rate taxpayer avoids 20% Income Tax and 8% employee NI on the amount sacrificed (gov.uk). This calculator shows the real cost against the pension gained.Hourly Wage CalculatorHourly rate to annual equivalent after tax. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Bonus Tax CalculatorHow much of your bonus you keep. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.
Income tax
Self Assessment Tax CalculatorPopularThe first £12,570 of self-employed profit is tax-free; above that, Income Tax is 20%, 40% or 45%, plus Class 4 National Insurance at 6% and 2% (gov.uk). This calculator estimates your 2024/25–2026/27 Self Assessment bill instantly.Dividend Tax CalculatorPopularEveryone gets a tax-free dividend allowance — currently £500 a year — before dividend tax applies at the basic, higher or additional rate, always lower than the equivalent salary rate (gov.uk). This calculator estimates the dividend tax due across all three bands.Capital Gains Tax CalculatorPopularIndividuals get a tax-free annual exempt amount of £3,000 for capital gains; above that, gains are taxed at 18% within the basic-rate band and 24% above it (gov.uk). This calculator estimates the Capital Gains Tax due on a property or share disposal.Payment on Account CalculatorPopularYou owe Self Assessment payments on account once last year's bill reaches £1,000 and under 80% of your tax was collected at source — two instalments of 50% each, due 31 January and 31 July (gov.uk). This calculator works out your schedule.Late Filing Penalty CalculatorPopularMissing the 31 January Self Assessment deadline triggers a fixed £100 penalty immediately, rising by £10 a day after 3 months (capped at £900), with further charges at 6 and 12 months (gov.uk). This calculator estimates your total filing and payment penalties plus interest.Pension Tax Relief CalculatorGovernment top-up on pension contributions. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Inheritance Tax CalculatorIHT liability with nil-rate band relief. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.
Contracting & IR35
IR35 Calculator (Inside vs Outside)True cost of a deemed employment ruling. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Umbrella Company CalculatorTake-home through an umbrella company. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Contractor vs Employed ComparisonCompare day-rate contracting (outside/inside IR35, umbrella) with permanent employment. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.
Directors & companies
Dividend vs. Salary CalculatorPopularSalary is a deductible company expense taxed via PAYE and National Insurance, while dividends are paid from profit already taxed at 19–25% Corporation Tax and carry no NI (gov.uk). This calculator compares your chosen salary/dividend mix against the one that maximises take-home pay.Multi-Director OptimiserOptimise across multiple companies. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Company Car & BiK Tax CalculatorBenefit-in-Kind tax on company cars. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.
Company tax
Corporation Tax CalculatorPopularUK companies pay Corporation Tax at 19% on profit up to £50,000 and 25% above £250,000, with Marginal Relief tapering the rate in between (gov.uk). This calculator estimates your company's Corporation Tax, Marginal Relief included.CIS Tax Deduction CalculatorPopularA contractor deducts 20% from a registered subcontractor's labour payment, 30% if unregistered, or 0% with gross payment status, and pays it to HMRC as an advance on your tax (gov.uk). This calculator works out the net payment either way.VAT CalculatorPopularMost UK goods and services carry the standard 20% VAT rate, with a reduced 5% rate and a 0% zero rate applying to specific goods and services (gov.uk). This calculator adds VAT to a net price, or strips it out of a VAT-inclusive one, instantly.CIS Tax Refund CalculatorPopularCIS deducts 20% (registered) or 30% (unregistered) from a subcontractor's labour income as an advance on tax — most subcontractors are owed a refund once expenses and the Personal Allowance are applied at Self Assessment (gov.uk). This calculator estimates the refund due.
Landlord & property
Rental Income Tax CalculatorPopularRental profit is taxed alongside your other income, but since the Section 24 reform, mortgage interest is no longer deducted upfront — it's given back instead as a 20% tax credit after tax is calculated (gov.uk). This calculator estimates your tax under the current rules.Buy-to-Let Mortgage CalculatorBTL repayments + lender ICR / rental stress test. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Rental Yield & ROI CalculatorGross yield, net yield and cash-on-cash return. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Tenant Rent Affordability CalculatorMaximum rent a tenant household can afford. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Family / Household Mortgage AffordabilityMax property price a family can afford from all income sources. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Household Structuring AdvisorRank property ownership splits and salary/dividend mixes across a household. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.CGT on Transferring Property to a CompanyCapital gains tax on the deemed market-value disposal when property is moved into a company. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Section 162 Incorporation ReliefRoll a gain into the base cost of shares on incorporating a property business. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Annual Tax on Enveloped Dwellings (ATED)Banded annual charge on company-held dwellings over £500,000, with rental-business relief. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Personal vs Company Property ComparisonCompare holding a rental property personally against holding it in a company — entry costs, annual position and break-even. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.
VAT & stamp duty
Stamp Duty (SDLT) CalculatorSDLT on England & NI property purchases. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.SDLT on Transferring Property to a CompanyStamp duty the company pays on acquiring a dwelling, with the higher-rates surcharge and the 17% corporate flat rate. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.
Business & profit
Gross Profit CalculatorRevenue minus cost of goods sold. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Profit Before Tax CalculatorOperating profit after expenses. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.More-Profit ModellerModel price, volume & cost improvements. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Profit & Loss Statement CalculatorSimple P&L from income & expense lines. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Startup Costs CalculatorEstimate funding needed to launch. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.
Loans & savings
Mortgage CalculatorMonthly repayments on any mortgage. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Loan CalculatorFixed repayments & total interest. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.APR CalculatorTrue annual cost of borrowing. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Savings CalculatorCompound growth with regular contributions. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.Millionaire CalculatorTime to reach any savings target. Enter your figures below for an instant, free estimate — this page is a working preview ahead of full guide content.