UK calculators
I live in Scotland, and most of the tax calculators I tried assumed I lived in England - or in America. So these are built for the UK from the start: Scottish, English, Welsh and Northern Irish rules side by side, using the 2026/27 figures from HMRC, the Scottish Government, Revenue Scotland and the Welsh Revenue Authority.
The tax year runs from 6 April 2026 to 5 April 2027. When rates change at a Budget, I update the calculators and the date on each page.
Tax and pay
Buying a home
University and graduates
UK guides
- UK · Income tax Scottish income tax explained: the six bands and what they mean for your pay Scotland has six income tax bands to England's three. Here's how they work in 2026/27, who pays more and who pays less, and the pay range where the difference really bites. Read the guide
- UK · Income tax The £100k tax trap: why you keep so little of a pay rise above £100,000 Between £100,000 and £125,140 you lose your personal allowance, which pushes the real tax rate to 62% in England and 69.5% in Scotland. Here's how it works and what you can do about it. Read the guide
- UK · Pensions Salary sacrifice, net pay or relief at source: how your pension gets its tax relief The same pension contribution can cost you different amounts depending on how your employer runs the scheme. Here's how the three methods compare in 2026/27, in Scotland and the rest of the UK. Read the guide
- UK · Student loans UK student loan plans explained, and whether you should overpay Plans 1, 2, 4 and 5 and the Postgraduate Loan have different thresholds, interest rates and write-off dates. Here's how each works in 2026/27, and why overpaying is a bad idea for many graduates. Read the guide
- UK · Buying a home Stamp duty, LBTT and LTT compared: buying a home in England, Scotland or Wales The UK has three different taxes on buying a home, with different bands, first-time buyer rules and surcharges. Here's how they compare at typical prices, with worked examples. Read the guide
- UK · Self-employment How much to set aside for tax as a UK freelancer A practical guide to putting money aside for income tax and National Insurance when you're self-employed, including payments on account and the first-year January bill that catches so many people out. Read the guide
Also useful
These work anywhere - pick pounds from the currency list.
- Loan CalculatorRepayments on a loan or repayment mortgage
- Compound InterestHow savings and ISAs grow
- Savings Goal CalculatorMonthly saving for a house deposit
- Inflation ImpactWhat your money will be worth later
- Fuel Cost CalculatorTrip costs in UK mpg or litres per 100 km
- Unit ConverterMetric and imperial lengths, weights and volumes