UK tax, worked out properly
Six calculators built on the published HMRC figures for the current tax year, with every source listed and every number shown.
Choose a test
Tax & money
Take-home pay
Income Tax, National Insurance, pension and student loan — every deduction shown separately.
Free · No sign-upStamp Duty
Including first-time buyer relief, the additional property surcharge and the cliff edge at £500,000.
Free · No sign-upDividend tax
Dividends sit on top of your other income — see exactly which band each slice lands in.
Free · No sign-upCapital Gains Tax
Your income decides the rate — the same gain costs different people different amounts.
Free · No sign-upUmbrella vs limited
Same day rate, both routes, every deduction shown — and why your umbrella payslip looks so small.
Free · No sign-upPayments on account
The demand is two separate things added together — this splits them apart.
Free · No sign-upRental income
Mortgage interest stopped being an expense in 2020. Most calculators still treat it as one.
Free · No sign-upPension allowance
Both income tests, worked separately — because the taper needs both, and they are not the same figure.
Free · No sign-upSole trader tax
Income Tax and Class 4, with Class 2 treated the way the rules have worked since 2024.
Free · No sign-upVAT
Both directions at once — because they are not the same sum, and that catches people out.
Free · No sign-upCost of employment
Salary is the part everyone quotes. This adds the parts that only appear in the payroll run.
Free · No sign-upCommon salaries
£20,000 after tax
Below every student loan threshold — the lowest marginal rate most people ever pay.
Free · No sign-up£25,000 after tax
The salary where Plan 5 repayments begin — the first pound above changes the rate.
Free · No sign-up£30,000 after tax
Past four repayment thresholds — what you keep now depends on which loan you hold.
Free · No sign-up£35,000 after tax
Above every repayment threshold — from here all plans behave the same way.
Free · No sign-up£40,000 after tax
Mid basic rate — the most predictable stretch of the whole system.
Free · No sign-up£45,000 after tax
The last stretch before the higher rate — a rise from here may straddle two bands.
Free · No sign-up£50,000 after tax
A few hundred pounds below the 40% band — the closest near-miss in the system.
Free · No sign-up£60,000 after tax
Clearly inside the higher rate — and National Insurance has already stepped down.
Free · No sign-up£80,000 after tax
Higher rate, with the allowance withdrawal still ahead — worth knowing how far.
Free · No sign-up£100,000 after tax
Where the Personal Allowance withdrawal begins — the 60% trap starts here.
Free · No sign-up£125,000 after tax
The far end of the withdrawal band, and a short step from the additional rate.
Free · No sign-up£150,000 after tax
Additional rate, no allowance left — the last band, and the simplest one.
Free · No sign-upWhy people use these tools
Most tax calculators give you one number and no working. These show the whole calculation — band by band, deduction by deduction — so you can check it against your payslip, your completion statement or your HMRC letter. Every rate is dated and linked back to gov.uk.
Runs in your browser
No installation and no plugin. Everything happens on your own device.
Nothing leaves your device
Your microphone audio and your results stay local. We never upload them.
Works on phone and desktop
Responsive layouts, keyboard and touch support, and no forced sign-up.
FAQ
Do I need to create an account?
No. Every test on this site is free and works without an account or a download.
Does it work on a phone?
Yes. The click and microphone tests work on mobile. The typing test needs a physical or on-screen keyboard.
Are my results stored?
Your personal best is saved in your own browser using local storage. It never reaches our servers.