About UKCalc

UKCalc is a free, independent website providing accurate UK tax and finance calculators. All calculations are based on official HMRC rates and thresholds for the 2026/27 tax year (6 April 2026 to 5 April 2027).

What we offer

UKCalc covers the full range of UK tax and finance calculations:

Salary & Income Tax Calculator — take-home pay after tax and National Insurance
Mortgage Calculator — monthly repayments, interest costs, and amortization
Stamp Duty Calculator — SDLT (England), LBTT (Scotland), and LTT (Wales)
Mortgage Affordability Calculator — how much you can borrow
Dividend Tax Calculator — tax on UK dividend income
Capital Gains Tax Calculator — CGT on shares, crypto, and property
Self-Employed Tax Calculator — income tax, Class 4 NI, and Class 2 record status
Student Loan Repayment Calculator — all plans including Plan 5
National Insurance Calculator — employee, employer, and self-employed NI
Inheritance Tax Calculator — IHT with nil rate band and RNRB
Pension Tax Relief Calculator — relief at all tax bands
Salary Sacrifice Calculator — tax and NI savings
Employer Cost Calculator — total employment costs

Our data sources

All tax rates, thresholds, and allowances used in our calculators are sourced directly from official government publications:

Our methodology

Every calculator on UKCalc follows a transparent, verifiable methodology:

Official source data — Tax rates, thresholds, and allowances are taken from linked UK government and devolved-administration publications.
Step-by-step calculations — Each calculator applies the same logic HMRC uses: progressive tax bands, tapered allowances, and NI thresholds are calculated individually and summed.
Automated verification — A test suite checks calculation boundaries, allowances, tax bands, and representative scenarios whenever the calculation code changes.
Human-readable assumptions — Each calculator explains what it includes and omits, so results can be checked against the official sources or professional advice.

If you spot a discrepancy, please let us know and we will investigate and correct it promptly.

Accuracy and updates

UKCalc is maintained as an independent calculator project and is not HMRC or a tax-advice firm. Rates are reviewed when official publications change and before each tax year. The 2026/27 calculation data and explanatory pages were most recently reviewed on 4 September 2026.

Our editorial and corrections policy explains how pages are sourced, reviewed, updated, and corrected, and how commercial relationships are kept separate from calculator results.

While we strive for complete accuracy, these calculators provide estimates for informational purposes only. Individual tax situations can be complex — we recommend consulting a qualified tax advisor or accountant for decisions about your personal finances. Our calculations do not account for benefits in kind, salary sacrifice arrangements, or non-standard tax codes unless you select those options where available.

Programmatic pages

UKCalc generates individual result pages for common inputs so visitors can share or revisit a calculation. These amount permutations are excluded from the XML sitemap and marked not to be indexed; search indexing is focused on the main calculators, original guides, reference pages, and methodology.

Reference guides

In addition to calculators, UKCalc publishes comprehensive reference guides:

UK Income Tax Bands 2026/27 — all rates and thresholds
National Insurance Rates 2026/27 — all NI classes
Tax Codes Explained — what your tax code means
The 60% Tax Trap — the £100K personal allowance taper
UK Tax FAQ — 30+ common tax questions answered

Contact

For corrections, suggestions, or media enquiries: hello@ukcalc.co.uk.

Last reviewed: 4 September 2026. Tax year: 2026/27.