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 2025/26 tax year (6 April 2025 to 5 April 2026).

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 2 and Class 4 NI
• 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:

• HMRC — Income Tax rates and Personal Allowances
• HMRC — National Insurance rates
• HMRC — Stamp Duty Land Tax rates
• HMRC — Capital Gains Tax rates
• HMRC — Inheritance Tax thresholds
• Gov.uk — Student loan repayment rates
• Gov.uk — State Pension rates
• Revenue Scotland — LBTT rates
• Welsh Revenue Authority — LTT rates

Our methodology

Every calculator on UKCalc follows a transparent, verifiable methodology:

1. Official source data — Tax rates, thresholds, and allowances are copied directly from HMRC publications and legislation. We never estimate or round government figures.
2. 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.
3. Cross-verification — Results are checked against HMRC’s own online calculators and published examples before each tax year launch.
4. Open test suite — Automated tests verify calculations against known HMRC outcomes for a range of salary levels and tax scenarios.

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

Accuracy and updates

UKCalc is updated each year when the UK government announces new tax rates, typically in the Autumn Budget and confirmed ahead of the new tax year in April. The site was last updated for the 2025/26 tax year in April 2025.

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 hundreds of individual calculation pages (e.g. “take-home pay on £30,000”, “stamp duty on a £300,000 property”) to provide specific, pre-calculated answers for common salary levels and property prices. Each page includes a detailed breakdown, comparison tables, and cross-links to related calculations. This means you can find a ready-made answer for your exact salary or property price without running the calculator yourself.

Reference guides

In addition to calculators, UKCalc publishes comprehensive reference guides:

• UK Income Tax Bands 2025/26 — all rates and thresholds
• National Insurance Rates 2025/26 — 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 updated: April 2025. Tax year: 2025/26.