Tax Year 2026/27

UK Tax Calculator

Estimate your income tax, National Insurance, dividends, and take-home pay. Choose your employment profile below to get started with accurate calculations based on the latest HMRC rates.

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Employed (PAYE)

Calculate take-home pay, income tax bands, NI contributions, and pension deductions for salaried employees.
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Self-Employed

Work out your Class 2 & 4 NI, tax on profits, payments on account, and allowable expenses.
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Outside IR35 Contractor

Optimise salary and dividends through your limited company with corporation tax planning.
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Inside IR35 Contractor

Understand the deemed employment rules, umbrella PAYE deductions, and your net contractor rate.
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Landlord

Calculate rental income tax with mortgage interest restriction, allowable costs, and Section 24 impact.
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Company Director

Plan your optimal salary-dividend split, corporation tax, employer NI, and extraction strategy.
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Investor

Calculate tax on dividends, capital gains, savings interest, and ISA allowances for your portfolio.

Key Changes from April 2026

  • Dividend tax rates increase by 2% on basic and higher bands (basic 10.75%, higher 35.75%) — the additional rate stays at 39.35%
  • Business Asset Disposal Relief (BADR) rate rises from 14% to 18%, matching the main CGT rate
  • Making Tax Digital (MTD) for Income Tax becomes mandatory for self-employed and landlords earning over £50,000
  • Electric vehicle benefit-in-kind rate rises from 3% to 4%, increasing company car tax for EV drivers
  • Umbrella companies must account for Joint & Several Liability on PAYE deductions
  • Income tax and NI thresholds remain frozen, continuing fiscal drag into higher tax bands
  • Student loan Plan 1 repayment threshold rises with inflation, reducing repayments for some borrowers
  • New ISA cash subscription cap takes effect from April 2027 — plan contributions now

Tax Insights & Analysis

AI-powered analysis of the April 2026 tax changes — real numbers, real impact, and practical strategies. These guides use publicly available HMRC data to help you understand and plan for the changes ahead.

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The £100k Tax Trap

How earning £100,001 could cost you over £5,000 through the 60% effective marginal rate — and how pension contributions can save you thousands.

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Dividend Tax +2%: Real Impact

AI analysis of how the April 2026 dividend tax increase affects directors extracting £50k, £80k, and £120k — with mitigation strategies.

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MTD: What You Must Do

Making Tax Digital is now mandatory from April 2026. What software you need, quarterly deadlines, costs, and penalties — broken down by AI.

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Inside IR35: The True Cost

AI breakdown of umbrella company rate erosion for IT contractors — how much of your £550/day you actually keep, and how to improve it.

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Fiscal Drag: The Silent Tax Rise

Frozen thresholds since 2021 are costing the average worker £700+ per year. AI models the cumulative impact and what you can do about it.

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