UK Tax Calculator
Estimate your take-home pay across seven common UK tax situations. Built on the HMRC PAYE Tax Table Routines specification — results match HMRC's own reference numbers to the penny.
Pick a calculator
PAYE
For employees on a regular salary. Income tax via your tax code, NI, optional pension contributions, optional student loan, optional dividend income.
Open PAYE →Limited Company
Run your own Ltd? Models corporation tax, employer NI, the salary & dividends you draw, and the take-home you keep. Includes a salary/dividend split optimiser.
Open Limited Co →Umbrella
Day rate via an umbrella company: contract value minus margin, employer NI and Apprenticeship Levy, with the remainder run through standard PAYE.
Open Umbrella →IR35 inside vs outside
Compare the take-home cost of an inside-IR35 status determination against an outside-IR35 Limited Company route for the same contract day rate.
Open IR35 →Sole Trader / Self-Employed
Self Assessment income tax + Class 4 NI on trading profit, with the £1,000 Trading Allowance applied automatically. Optional PAYE side income for side-hustlers.
Open Sole Trader →Dividend Tax
For dividends from shares you don't run yourself — stocks (outside an ISA), funds, ETFs, REITs. Slots the dividend into the right band on top of your other income.
Open Dividend →Self Assessment
For people with multiple personal income sources — salary + side hustle, salary + rental, pension + dividends. Combines all sources into one total. Complements Limited Co for income outside your own company.
Open Self Assessment →Combine calculators for real-life scenarios
Most people's tax doesn't fit one box — here are common pair-ups so the right tool covers the right slice of your income:
- Limited Co director with rental income — Limited Co handles Corporation Tax + how you draw salary/dividends from your own company; Self Assessment handles rental, external share dividends and any other personal income outside the Ltd.
- Day job + freelance side hustle — Sole Trader already supports a PAYE side income, or feed everything into Self Assessment for one combined total (handy when you also have rental or dividends).
- Contractor weighing IR35 — IR35 for the inside-vs-outside comparison, then Limited Co (if outside) or Umbrella (if inside) to model the chosen route in detail.
All calculators support tax years 2024/25, 2025/26 and 2026/27 — change the year dropdown to compare across years.
Run a recruitment site, salary tool, or HR portal?
Embed any of these calculators on your own site with a
single <iframe>. Free for any domain
and volume — get in
touch for custom integration or white-label.
Why trust this calculator?
- HMRC PAYE Tax Table Routines spec v24.0 — every rounding direction (Free Pay up to 1p, Taxable Pay down to £1, final tax down to 1p) follows the spec exactly.
- Cross-checked against HMRC's own reference vectors for tax years 2024/25, 2025/26 and 2026/27.
- Open source — the calculation engine is on GitHub. See the conformance table for the full list of covered scenarios.
- Not financial advice. See the project README for caveats. For decisions with real money on the line, talk to a qualified UK accountant.