UK Income Tax Calculator
Calculate your 2026–27 UK income tax using HMRC tax bands. Understand your Personal Allowance, marginal tax rates at 20%, 40%, and 45%, National Insurance contributions, and student loan repayments.
Tailored for UK residents — income tax, ISAs, pensions, Stamp Duty, and more
Calculate your 2026–27 UK income tax using HMRC tax bands. Understand your Personal Allowance, marginal tax rates at 20%, 40%, and 45%, National Insurance contributions, and student loan repayments.
Maximise your ISA and pension contributions. Calculate tax-free ISA growth (£20,000 annual allowance), Workplace Pension auto-enrolment, and State Pension projections. Compare Stocks & Shares ISA vs Cash ISA returns.
Plan your home purchase with UK mortgage rates (~4.5% in 2026). Calculate monthly payments for fixed and tracker mortgages with 25–35 year terms. Factor in Stamp Duty Land Tax and Help to Buy equity loans.
Additional calculators for UK residents covering Council Tax estimates, budgeting, emergency funds, and personal finance planning.
CalcMaster provides free, accurate financial calculators designed for UK residents. Our tools use current HMRC tax bands (2026–27), National Insurance rates, and up-to-date market data. Whether you're maximising your ISA allowance, planning your workplace pension, or calculating Stamp Duty on a property purchase, our calculators give you instant, reliable results.
All calculations are performed locally in your browser — no data is sent to any server. Use these tools to make informed decisions about your finances, from fixed-rate mortgages at current rates to State Pension projections.
Last updated: March 2026