#1
UK Tax Calculator
Calculates take-home pay after income tax, National Insurance, student loan repayments, and pension contributions for 2025/26.
Best for: Anyone on PAYE who wants to know their exact take-home pay.
Open calculator →Best UK Tax Calculators 2026 — Free Tools for Take-Home Pay, Pensions and More
Updated for the 2025/26 tax year • All calculators free • No signup required
TL;DR
For 2025/26, the most-used UK tax calculators cover take-home pay (income tax + NI + student loans), pension pot projections, and stamp duty. Boring Math offers all of these free with no account required. For salary earners, start with the UK Tax Calculator. For earners above £100k, the 100k Tax Trap Calculator shows the 60% effective rate clearly. All calculators are updated for the 2025/26 tax year.
Top 7 UK Tax Calculators for 2025/26
#2
UK Pension Calculator
Projects pension pot size at retirement and estimates monthly income based on contributions and growth rate.
Best for: Anyone planning retirement or wondering if they are saving enough.
Open calculator →#3
UK 100k Tax Trap Calculator
Shows how the personal allowance taper creates an effective 60% marginal tax rate on income between £100,000 and £125,140.
Best for: Earners approaching or above £100k who want to understand salary sacrifice options.
Open calculator →#4
UK Salary Sacrifice Calculator
Calculates exact income tax and National Insurance savings from redirecting salary into pension contributions.
Best for: Employees wanting to reduce their effective tax rate through pension salary sacrifice.
Open calculator →#5
UK Stamp Duty Calculator
Calculates SDLT for property purchases in England and Northern Ireland, including first-time buyer relief.
Best for: Anyone buying residential property in England or Northern Ireland.
Open calculator →#6
UK Student Loan Calculator
Shows monthly repayments, total paid, and when the loan is written off across all UK repayment plans (Plans 1, 2, 4, 5 and Postgraduate).
Best for: Graduates on any repayment plan wanting to understand total loan cost.
Open calculator →#7
UK Inheritance Tax Calculator
Estimates IHT liability including the nil-rate band, residence nil-rate band, and spousal exemptions.
Best for: Anyone planning their estate or understanding potential IHT exposure.
Open calculator →Quick Comparison
| Calculator | Best for | Free | No account needed | Updated 2025/26 |
|---|---|---|---|---|
| UK Tax Calculator | Anyone on PAYE who wants to know their exact take-home pay | Yes | Yes | Yes |
| UK Pension Calculator | Anyone planning retirement or wondering if they are saving enough | Yes | Yes | Yes |
| UK 100k Tax Trap Calculator | Earners approaching or above £100k who want to understand salary sacrifice options | Yes | Yes | Yes |
| UK Salary Sacrifice Calculator | Employees wanting to reduce their effective tax rate through pension salary sacrifice | Yes | Yes | Yes |
| UK Stamp Duty Calculator | Anyone buying residential property in England or Northern Ireland | Yes | Yes | Yes |
| UK Student Loan Calculator | Graduates on any repayment plan wanting to understand total loan cost | Yes | Yes | Yes |
| UK Inheritance Tax Calculator | Anyone planning their estate or understanding potential IHT exposure | Yes | Yes | Yes |
How to Choose
- If you're on PAYE and want to know your take-home pay, use the UK Tax Calculator.
- If you earn over £100k and are thinking about salary sacrifice, start with the 100k Tax Trap Calculator.
- If you're buying a property, use the Stamp Duty Calculator before making an offer.
- If you're planning retirement, the Pension Calculator gives you a projection in under 2 minutes.
Frequently Asked Questions
What is the best free UK tax calculator?
Boring Math's UK Tax Calculator covers income tax, National Insurance, student loan repayments (all plans), and pension contributions for the 2025/26 tax year. It covers England, Scotland, Wales, and Northern Ireland with accurate PAYE calculations and requires no account or signup.
How accurate are online UK tax calculators?
Good UK tax calculators use the official HMRC tax tables and are accurate for standard PAYE scenarios. They may not cover complex situations like multiple income sources, benefits in kind, or unusual pension arrangements. For complex situations, consult a tax advisor or use HMRC tools alongside these calculators.
Which UK tax calculator covers Scotland?
Boring Math's UK Tax Calculator includes a Scotland option that applies the separate Scottish income tax rates. Scotland has six tax bands in 2025/26 with rates from 19% to 48%, compared to three bands in England, Wales, and Northern Ireland.
Is there a calculator for the £100k tax trap?
Yes. The UK 100k Tax Trap Calculator on Boring Math models the personal allowance taper, showing the effective 60% marginal rate on income between £100,000 and £125,140. It also shows how much you'd need to contribute to a pension via salary sacrifice to bring your adjusted net income below £100,000.
What is the best UK pension calculator?
Boring Math's UK Pension Calculator lets you set contribution rates, expected growth, and retirement age to project your final pot and estimate retirement income. For maximising contributions through salary sacrifice, use it alongside the Salary Sacrifice Calculator.
Do I need to create an account to use these calculators?
No. All calculators on Boring Math are completely free and require no account, no email, and no signup. Everything runs in your browser.
Browse More Calculators
Boring Math has 150+ free calculators covering UK tax, pensions, property, savings, freelance, and everyday finance. Browse the full list →