TOOLS
UK tax calculators
58 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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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.Tax Code CheckerPopularYour tax code's number times 10 is usually the pay you can receive before tax: 1257L is £12,570. Type a code, such as 1257L, 1383M or K475, to see what its letters mean and the tax on your pay.Hourly Wage CalculatorHourly rate to annual equivalent after tax. Enter your figures below for an instant 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 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.MTD for Income Tax Eligibility CheckerPopularMaking Tax Digital for Income Tax applies when your gross self-employment and property income is over £50,000 for 2024/25, £30,000 for 2025/26 or £20,000 for 2026/27 (gov.uk). This checker tests your figures against all three.Statutory Residence Test CalculatorPopularThe Statutory Residence Test decides UK tax residence in a fixed order: automatic overseas tests, automatic UK tests, then UK ties measured against your days here (HMRC RDR3). This helper works through that sequence from your answers.High Income Child Benefit Charge CalculatorPopularIf you or your partner has adjusted net income over £60,000, you repay 1% of your Child Benefit for every £200 above that, and all of it at £80,000 (gov.uk). This calculator shows the charge for 2024/25 to 2026/27.Marriage Allowance CalculatorPopularMarriage Allowance lets a partner with income below the Personal Allowance transfer £1,260 to a basic-rate taxpaying spouse or civil partner, cutting their tax by up to £252 a year (gov.uk). Check your eligibility and its value.Side Hustle Tax CalculatorPopularThe first £1,000 of gross side income is tax-free under the trading allowance. Above that you pay Income Tax and Class 4 National Insurance on profit, deducting either £1,000 or your real expenses (gov.uk).eBay Seller Tax CalculatorPopularYou pay tax on eBay sales only if you are trading, such as buying items to resell. Selling your own belongings is unlikely to be taxable. Enter your figures to test the £1,000 allowance and see the tax.Crypto Tax Calculator UKPopularSelling, swapping, spending or gifting crypto is a disposal for Capital Gains Tax. Enter your pool, the sale and any rebuy to see the gain with HMRC's matching rules, and the tax after the £3,000 allowance.Vinted Tax CalculatorPopularSelling your own unwanted clothes on Vinted is unlikely to be taxable, however many items you sell. Buying to resell is trading. Check which you are, and whether Vinted will report you to HMRC.Etsy Seller Tax CalculatorPopularSelling items you make on Etsy is trading, even as a hobby. The first £1,000 of sales is tax-free; above that, deduct materials, fees and postage, or the £1,000, and pay tax on the profit.Pension Tax Relief CalculatorGovernment top-up on pension contributions. Enter your figures below for an instant 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 estimate — this page is a working preview ahead of full guide content.
Business & profit
Uber and Bolt Driver Tax CalculatorPopularA self-employed Uber or Bolt driver can deduct 55p a mile for the first 10,000 business miles in 2026/27, or the real cost of running the car. This calculator compares both, plus the £1,000 allowance, and shows your tax.Deliveroo Rider Tax CalculatorPopularA self-employed Deliveroo rider on a moped can deduct 24p a mile, or actual costs; a car gets 55p for the first 10,000 miles, and a bike has no flat rate. Compare the routes and see your tax.Gross Profit CalculatorRevenue minus cost of goods sold. Enter your figures below for an instant 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 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 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 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 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 estimate — this page is a working preview ahead of full guide content.Loan CalculatorFixed repayments & total interest. Enter your figures below for an instant 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 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 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 estimate — this page is a working preview ahead of full guide content.
Motoring
HMRC Mileage Allowance CalculatorPopularHMRC's approved rate for cars and vans is 55p a mile for the first 10,000 business miles in 2026/27, then 25p. Enter your miles to see your claim, tax relief on an employer shortfall, or the self-employed deduction.Fuel Costs CalculatorAnnual spend & HMRC mileage allowance. Enter your figures below for an instant estimate — this page is a working preview ahead of full guide content.