# UKCalc — Free UK Tax & Finance Calculators

> UKCalc provides free, accurate UK tax and finance calculators for the 2025/26 tax year. All calculations use current HMRC rates and thresholds.

> For complete reference data, see: https://ukcalc.co.uk/llms-full.txt

## Calculators

- [Salary & Tax Calculator](https://ukcalc.co.uk/salary/): Calculate take-home pay on any UK salary after income tax and National Insurance
- [Mortgage Calculator](https://ukcalc.co.uk/mortgage/): Monthly repayment and total interest for UK mortgages
- [Stamp Duty Calculator](https://ukcalc.co.uk/stamp-duty/): SDLT (England), LBTT (Scotland), and LTT (Wales) on property purchases
- [Mortgage Affordability Calculator](https://ukcalc.co.uk/mortgage-affordability/): How much can you borrow based on your salary
- [Dividend Tax Calculator](https://ukcalc.co.uk/dividend-tax/): Tax on UK dividend income at all tax bands
- [Capital Gains Tax Calculator](https://ukcalc.co.uk/capital-gains/): CGT on shares, crypto, and residential property
- [Self-Employed Tax Calculator](https://ukcalc.co.uk/self-employed/): Income tax, Class 2 and Class 4 NI for sole traders
- [Student Loan Repayment Calculator](https://ukcalc.co.uk/student-loan/): Repayments for Plans 1, 2, 4, 5 and Postgraduate
- [National Insurance Calculator](https://ukcalc.co.uk/national-insurance/): Employee, employer, and self-employed NI
- [Inheritance Tax Calculator](https://ukcalc.co.uk/inheritance-tax/): IHT with nil rate band, RNRB, and married couple allowances
- [Pension Tax Relief Calculator](https://ukcalc.co.uk/pension/): Tax relief on pension contributions at all tax bands
- [Salary Sacrifice Calculator](https://ukcalc.co.uk/salary-sacrifice/): Tax and NI savings from salary sacrifice arrangements
- [Employer Cost Calculator](https://ukcalc.co.uk/employer-cost/): Total cost of employing someone including NI and pension
- [Take Home Pay Calculator](https://ukcalc.co.uk/take-home-pay/): Monthly, weekly and daily take-home pay
- [Hourly Rate Calculator](https://ukcalc.co.uk/hourly-rate/): Convert hourly rate to annual salary and take-home pay
- [Marriage Allowance Calculator](https://ukcalc.co.uk/marriage-allowance): Transfer personal allowance to spouse
- [Tax Code Lookup](https://ukcalc.co.uk/tax-codes/): Decode any UK tax code and see what it means for your pay
- [IR35 Calculator](https://ukcalc.co.uk/ir35/): Compare contractor vs employee take-home pay inside and outside IR35
- [Savings Tax Calculator](https://ukcalc.co.uk/savings-tax/): Personal savings allowance and tax on savings interest
- [ISA Calculator](https://ukcalc.co.uk/isa/): Tax-free savings returns comparison
- [Child Benefit Calculator](https://ukcalc.co.uk/child-benefit/): High Income Child Benefit Charge calculator

## Reference Pages

- [UK Tax Bands 2025/26](https://ukcalc.co.uk/tax-bands): Complete income tax band reference for England, Scotland, Wales and NI
- [National Insurance Rates 2025/26](https://ukcalc.co.uk/national-insurance-rates): All NI classes, rates and thresholds
- [Tax Codes Explained](https://ukcalc.co.uk/tax-codes): How UK tax codes work and what they mean
- [60% Tax Trap Guide](https://ukcalc.co.uk/salary/100k-tax-trap): The personal allowance taper between £100K-£125K
- [England vs Scotland Tax Comparison](https://ukcalc.co.uk/salary/england-vs-scotland): Side-by-side tax band comparison
- [Stamp Duty Comparison](https://ukcalc.co.uk/stamp-duty/compare): SDLT vs LBTT vs LTT across all UK regions
- [First-Time Buyer Guide](https://ukcalc.co.uk/stamp-duty/first-time-buyer): Stamp duty relief for first-time buyers
- [UK Tax FAQ](https://ukcalc.co.uk/faq): 30+ answers to common UK tax questions
- [Tax Calendar 2025/26](https://ukcalc.co.uk/tax-calendar/): All UK tax deadlines month by month
- [UK Income Percentiles](https://ukcalc.co.uk/salary/income-percentile/): See where your salary ranks
- [UK vs US Tax Comparison](https://ukcalc.co.uk/salary/uk-vs-us-tax/): Side-by-side take-home pay comparison
- [Calculator Comparison](https://ukcalc.co.uk/compare-calculators/): UKCalc vs other UK tax calculators

## Definitive Answers

- [Personal Allowance 2025/26](https://ukcalc.co.uk/answers/personal-allowance): £12,570 tax-free allowance with taper explanation
- [National Living Wage 2025/26](https://ukcalc.co.uk/answers/national-living-wage): £12.21/hr with annual equivalent
- [State Pension 2025/26](https://ukcalc.co.uk/answers/state-pension): £230.25/week full new state pension
- [Tax-Free Allowance](https://ukcalc.co.uk/answers/tax-free-allowance): How much you can earn tax-free
- [Student Loan Thresholds](https://ukcalc.co.uk/answers/student-loan-threshold): All 5 plan thresholds
- [ISA Allowance 2025/26](https://ukcalc.co.uk/answers/isa-allowance): £20,000 annual ISA allowance across all ISA types
- [Inheritance Tax Threshold](https://ukcalc.co.uk/answers/inheritance-tax-threshold): £325,000 nil rate band (£500,000 with RNRB for homes left to children)
- [Capital Gains Tax Allowance](https://ukcalc.co.uk/answers/capital-gains-allowance): £3,000 annual exempt amount for 2025/26
- [Dividend Allowance 2025/26](https://ukcalc.co.uk/answers/dividend-allowance): £500 tax-free dividend allowance
- [Pension Annual Allowance](https://ukcalc.co.uk/answers/pension-annual-allowance): £60,000 annual pension contribution limit with tax relief
- [Employer NI Rate 2025/26](https://ukcalc.co.uk/answers/employer-ni-rate): 15% above £5,000 secondary threshold
- [Marriage Allowance 2025/26](https://ukcalc.co.uk/answers/marriage-allowance): Transfer £1,260 to spouse, saving up to £252/year
- [Child Benefit Rates 2025/26](https://ukcalc.co.uk/answers/child-benefit-rates): £26.05/week for first child, £17.25 for each subsequent child
- [Higher Rate Tax Threshold](https://ukcalc.co.uk/answers/higher-rate-threshold): 40% tax starts at £50,271 (£43,663 in Scotland)
- [100K Tax Trap Explained](https://ukcalc.co.uk/answers/100k-tax-trap): Effective 60% rate between £100,000-£125,140 due to personal allowance taper

## Key Facts (2025/26 Tax Year)

- Personal Allowance: £12,570
- Basic Rate: 20% on £12,571–£50,270
- Higher Rate: 40% on £50,271–£125,140
- Additional Rate: 45% on income over £125,140
- Employee NI: 8% on £12,570–£50,270, 2% above
- Employer NI: 15% on earnings above £5,000
- Self-Employed Class 4 NI: 6% on £12,570–£50,270, 2% above
- Dividend Allowance: £500
- Dividend Tax Rates: 8.75% / 33.75% / 39.35%
- CGT Annual Exempt Amount: £3,000
- CGT Rates (other assets): 10% / 20%
- CGT Rates (residential property): 18% / 24%
- IHT Nil Rate Band: £325,000
- IHT Residence Nil Rate Band: £175,000
- Pension Annual Allowance: £60,000
- National Living Wage: £12.21/hr (age 21+)
- Full New State Pension: £230.25/week
- Student Loan Plan 1 Threshold: £24,990
- Student Loan Plan 2 Threshold: £27,295
- Student Loan Plan 4 Threshold: £31,395
- Student Loan Plan 5 Threshold: £25,000
- Postgraduate Loan Threshold: £21,000
- Stamp Duty (England): 0% up to £125,000, 2% £125,001–£250,000, 5% £250,001–£925,000, 10% £925,001–£1.5M, 12% over £1.5M
- First-Time Buyer Relief: 0% up to £300,000 (on properties up to £500,000)
- Additional Property Surcharge: 5%
- Marriage Allowance: £1,260 transferable (saves up to £252)

## About

UKCalc is a free, independent UK tax calculator website. All calculations use official HMRC rates and thresholds for the 2025/26 tax year (6 April 2025 to 5 April 2026). The site is updated each tax year when new rates are announced.

Source: HMRC, Gov.uk