United Kingdom 2026 — quick numbers
Headline HMRC, DWP and ONS figures for the 2026-27 tax year.
ISA allowance
£20,000
Total annual ISA limit
Source: HMRC
Lifetime ISA limit
£4,000
Per year, +25% bonus
Source: HMRC
Pension annual allowance
£60,000
Tapered above £260K income
Source: HMRC
Personal allowance
£12,570
Frozen to April 2031
Source: HMRC
Higher-rate threshold
£50,270
Where 40% tax begins
Source: HMRC
CGT annual exempt amount
£3,000
Tax-free capital gains
Source: HMRC
IHT nil-rate band
£325,000
40% above, frozen to April 2031
Source: HMRC
Full new State Pension
£12,548
Per year (£241.30/week), 2026-27
Source: DWP
Take-Home Pay Calculator
PAYE breakdown with 2026-27 NI at 8% main rate, Personal Allowance taper above £100K, Student Loan plans 1/2/4/5.
Statutory Sick Pay Calculator
SSP under the April 2026 rules: £123.25 a week or 80% of earnings, from day one — weekly, daily and total.
Maternity Pay Calculator
Statutory Maternity Pay 2026-27: 90% for 6 weeks, then £194.32 or 90% for 33 weeks — weekly, total and the gap against normal pay.
Holiday Pay Calculator
Your 5.6 weeks of statutory holiday in days and hours — part-time, first year or 12.07% irregular-hours accrual — and what it pays.
Annuity Calculator
What your pension pot buys as a guaranteed income — after 25% tax-free cash and income tax — and annuity vs drawdown.
Redundancy Pay Calculator
Statutory redundancy pay from 6 April 2026 — weeks by age band, the £751 weekly cap, notice and the £30,000 tax-free limit.
VAT Calculator
Add or remove VAT at 20%, 5% or 0% — the VAT is one-sixth of a 20% VAT-inclusive price.
Pro Rata Salary Calculator
Part-time pay from a full-time salary, the hourly rate of any salary, and pro rata holiday — vs the 2026 minimum wage.
House Price Growth Calculator
Enter what you paid and when: what the Land Registry index says your area did since — and what the gain is worth after inflation. 405 areas, all four nations.
UK Money Guides
All UK money guides in one place — ISAs, pensions, tax bands, first-home schemes, and tool deep-dives.
Money Quizzes
Eleven free 2-minute quizzes — investing IQ, money personality, financial health, retirement readiness, FIRE trajectory, net worth percentile, homebuying readiness, recession resilience, and more. Scored instantly, no sign-up.
Teacher Take-Home Pay Calculator
STRB pay scales (M1-M6 / UPS / Leadership) with Inner/Outer London weighting, Teachers' Pension Scheme tiered 7.4-11.7%, and full PAYE + Student Loan.
NHS Take-Home Pay Calculator
NHS Agenda for Change pay bands 2-9 with Inner/Outer London HCA, NHS Pension Scheme tiered 5.2-12.5% (2026/27 thresholds), plus the £125 HMRC uniform flat rate expense.
Pension Calculator
Project your workplace and personal pensions to retirement in today's money: tax-free cash, income after tax before and after the State Pension, and the contribution rate needed for the 2026 Retirement Living Standards.
Pension Tax Relief Comparator
Net Pay vs Relief at Source vs Salary Sacrifice — see which mechanism gives you the highest net contribution.
Pension Annual Allowance
Standard £60K allowance, tapered allowance above £260K adjusted income, pension carry forward of 3 years' unused.
Pension Credit Calculator
Am I eligible for Pension Credit in 2026-27, and how much? Guarantee Credit to £238 a week (£363.25 couple), extra amounts, Savings Credit and the £10,000 savings rule.
Carer's Allowance
Check if you qualify for £86.45 a week, how much you can earn under the £204 limit, and what happens with State Pension or Universal Credit.
Winter Fuel Payment Calculator
Your 2026 to 2027 Winter Fuel Payment (£100 to £300) and whether HMRC takes it all back because your own income is over £35,000.
State Pension Age Calculator
Your exact State Pension date from your birthday under the rise to 67 (born 6 Apr 1960 – 5 Mar 1961: 66 + 1–11 months), an NI-years pension estimate, and when you can draw a private pension as 55 becomes 57 in April 2028.
State Pension Amount
How much new State Pension your National Insurance years will pay, and what filling gaps or deferring adds.
Lump Sum Allowance
The £268,275 cap on tax-free pension cash that replaced the abolished lifetime allowance, plus the transitional certificate.
Pension Withdrawal Tax
Emergency tax on your first pension withdrawal vs the tax you really owe in 2026-27, and whether to reclaim it on P55, P53Z or P50Z.
Pension Drawdown
How long your pension lasts at the income you want after tax, with the State Pension, 25% tax-free cash upfront or phased, and the most you can draw to age 95.
Self-Employed Tax
Income tax, Class 4 NI and student loan on your 2026-27 profit, plus the 31 January and 31 July payments on account.
ISA Calculator
Compare Stocks & Shares ISA, Cash ISA, and LISA side by side — projected value, tax-free growth, and 25% LISA government bonus. 2026-27 £20,000 allowance.
LISA Calculator
Lifetime ISA growth to age 60 (or first-home purchase) with the 25% government bonus on £4,000/year contributions — plus what an early withdrawal really costs and what the First-Time Buyer ISA consultation would change.
CGT Calculator
Post-Budget-2024 CGT rates 18% / 24% on shares, ETFs, crypto, and residential property. £3,000 Annual Exempt Amount.
Mansion Tax Calculator
Which High Value Council Tax Surcharge band a £2m+ home in England falls into (£2,500 to £7,500 a year from April 2028), the proposed deferral test, and the reported £1.5m threshold.
Student Loan Repayment Calculator
Plans 1, 2, 4, 5 and Postgraduate on 2026-27 thresholds: monthly repayment by salary, Plan 2 income-linked interest (4.1%–6%), and whether you clear the loan or it is written off.
Child Benefit Charge Calculator
The High Income Child Benefit Charge for 2026-27: 1% of the benefit per £200 over £60,000, all of it at £80,000 — which partner pays, and the pension contribution that removes it.
Universal Credit Calculator
2026-27 rates, the £427/£710 work allowance and 55% taper — your estimated monthly Universal Credit and the earnings where it stops.
Savings Interest Tax Calculator
Tax on interest after the personal savings allowance (£1,000 / £500 / £0) and the £5,000 starting rate, now and from April 2027 when savings rates rise to 22% / 42% / 47% — and how much cash you can hold outside an ISA tax-free.
Dividend Tax Calculator
UK dividend tax with £500 allowance and the 2026-27 rates — 10.75% / 35.75% / 39.35% by income band.
Inheritance Tax Calculator
40% IHT above the £325K NRB plus £175K RNRB for main-residence transfer to direct descendants. Frozen to April 2031.
Pension IHT Calculator (April 2027)
From 6 April 2027 unused pensions join your estate for 40% IHT — see your bill before vs after, and the post-75 double tax of up to ~67%.
Autumn Budget 2026 (28 October)
The Budget is Wednesday 28 October 2026 — John Healey's first, OBR forecast the same day. What's already confirmed for April 2027, and what's still unknown. No predictions.
Salary Sacrifice Cap Calculator (2029)
From 6 April 2029 only the first £2,000 a year of pension salary sacrifice is free of National Insurance (now law). See the extra NI for you and your employer.
Salary Sacrifice
What a pension salary sacrifice really costs in take-home pay, the tax, NI and student loan saved, and the cost of each £1 in your pension.
Pension Contributions
What goes into your workplace pension each month from you and your employer, the real cost after tax relief, and the 8% minimum.
Cash ISA Allowance Calculator (2027)
Announced Cash ISA cut: from 6 April 2027 under-65s can pay £12,000/yr into cash (over-65s keep £20,000). See what's forced into a S&S ISA and the tax on the rest.
ISA Cash Charge Calculator (2027)
The announced 22% charge on uninvested cash in a Stocks & Shares ISA from 6 April 2027. See what it costs on your cash, your effective rate, and the money-market-fund exemption.
Stamp Duty (SDLT) Calculator
Post-April-2025 SDLT bands (zero-rate to £125K), FTB relief to £300K, +5% additional-property and +2% non-resident surcharges.
IR35 Calculator
Inside vs outside IR35 take-home for contractors — Chapter 8/10 ITEPA 2003 status comparison.
Making Tax Digital Checker
Are you in scope for MTD for Income Tax? The threshold is GROSS turnover, not profit — £50K from April 2026, £30K from 2027, £20K from 2028. HMRC signs up non-registrants automatically from September 2026; next quarterly update due 7 November 2026.
£100k Tax Trap Calculator
The 60% (62% with NI) effective rate between £100k–£125,140 plus the Tax-Free-Childcare cliff — and the exact pension salary sacrifice to get your adjusted net income under £100,000.
Fiscal Drag Calculator
What frozen thresholds cost you to April 2031 — income tax and inheritance tax vs a CPI-indexed counterfactual, year by year. Confirmed law only.
Electricity VAT Calculator
VAT on domestic electricity drops 5% → 0% on 1 October 2026 — Great Britain only, electricity only, and only to 31 March 2027 as funded. Your saving on your own kWh, plus the blended rate gas leaves you paying.
Probate Fees Calculator
The probate fee rose £300 → £526 on 6 July 2026. But it's flat whatever the estate is worth — see the real cost once inheritance tax and professional fees are counted.
Marriage Allowance Calculator
Transfer up to £1,260 of PA to a basic-rate-band spouse — annual tax saving up to £252. Three-year backdating.
Mortgage Calculator
Repayment vs interest-only, amortisation schedule, total cost over the term.
Mortgage Overpayment Calculator
How much sooner you'd be mortgage-free and the interest saved by overpaying — within your lender's 10% allowance — and overpaying vs saving.
Mortgage Calculator for Foreigners
Foreign national or visa holder: repayments plus the 2% non-resident stamp duty surcharge and the deposit lenders want.
Personal Loan Calculator
UK personal loan repayments (£1K–£50K over 1–7 years), total interest, amortisation, plus a credit-card cost comparison.
Refinance Calculator
Remortgage break-even with early-repayment charges, arrangement fees, and rate-differential payback period.
Net Worth Percentile Calculator
How your household wealth ranks against your own age group — ONS Wealth and Assets Survey, pensions included.
Net Worth Calculator
Total net worth across ISAs, SIPP, property, and debts — compared against age-cohort UK benchmarks.
Net Worth Percentile
Where your household wealth ranks against every British household — ONS thresholds from the 10th to the 99th percentile.
Crypto Capital Gains
HMRC's first crypto gains data: 17,600 filers, £1.38bn of gains, and where yours ranks among them.
FIRE Calculator
UK FIRE number with ISA-first / SIPP-second tax-bridge strategy and State Pension integration at 67.
Coast FIRE Calculator
The point where compound growth alone reaches your FIRE number with zero new contributions — ISA, SIPP, LISA & State Pension aware.
Compound Interest Calculator
Compound growth with monthly contributions, ISA-style tax-free vs general account scenarios.
Currency Converter
GBP to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.
