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United Kingdom
GBP · Tax year 2026–27

United Kingdom

National calculators for every personal finance situation. Income tax, NI, CGT, VAT, mortgage and pension — all modeled on the HMRC 2026–27 schedules.

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Calculators 20 HMRC-aligned
Additional Rate 45% GBP 125,140+
VAT 20% standard rate
Allowance GBP 12,570 personal tax-free

Quick estimates

Run a one-input estimate before opening the full calculator. Sourced from HMRC.

Take-home pay HMRC 2026–27 bands + NI Class 1, England
GBP
Estimated take-home GBP 35,920 /yr
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Stamp duty (SDLT) HMRC residential rates, main home
GBP
Estimated SDLT GBP 7,500
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Mortgage repayment Principal & interest, 25-year term
GBP
% p.a.
Monthly repayment GBP 1,440 /mo
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Income Tax Calculator

Income tax and National Insurance across HMRC 2026–27 bands with Scottish option.

HMRC 2026–27England/ScotlandNI Class 1Personal allowance
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Capital Gains Tax Calculator

CGT on asset disposals using the HMRC annual exempt amount and current rates.

Annual exemptBasic vs higherProperty surchargeCarry-forward loss
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VAT Calculator

Add or remove 20% VAT from a price using current HMRC rules.

20% standardAdd VATRemove VATReduced rate ref
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Mortgage Calculator

Repayments with APRC reference, fixed-term comparison and overpayment scenarios.

APRCFixed term10% overpayBTL option
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Pension Calculator

Pension pot growth with employer, personal contributions and basic-rate tax relief.

Auto-enrolmentTax reliefLifetime ISARetirement age
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Car Loan Calculator

Car finance repayments, total interest cost and APR comparison across terms.

Monthly repaymentAPRPCP referenceTotal interest
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Inflation Calculator

Value of GBP across years using ONS Consumer Price Index data.

ONS CPIHistorical GBPPurchasing powerYear-on-year
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Compound Interest Calculator

ISA, pension or general savings growth with regular contributions and compounding.

ISA/SIPP modeRegular depositsCompound periodGoal mode
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Cost of Living Calculator

Compare living costs between UK cities and overseas locations.

City vs cityRent indexGroceriesTransport
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Stamp Duty Calculator

UK property transaction tax — SDLT for England and Northern Ireland, LBTT for Scotland, LTT for Wales using HMRC and devolved data.

SDLT (England/NI)LBTT (Scotland)LTT (Wales)First-time buyer
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National Insurance Calculator

UK National Insurance for 2026–27 using HMRC Class 1 and Class 4 rates, with thresholds, bands and estimated take-home pay.

HMRC 2026–27Class 1 & 4ThresholdsTake-home pay
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Crypto Tax Calculator

UK Capital Gains Tax on cryptoasset disposals for 2026/27 using HMRC 18% and 24% rates and the £3,000 annual exempt amount.

HMRC 18/24%£3,000 exemptCryptoasset disposalsPooling rules
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Inheritance Tax Calculator

Inheritance Tax on a UK estate for 2026–27. Applies HMRC nil-rate bands, the 40% rate, and the reduced 36% charity rate.

Nil-rate bands40% standard36% charity rateResidence NRB
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Rental Yield Calculator

Gross and net yield on UK buy-to-let property under Section 24 rules using HMRC 2026–27 bands and Bank of England base rate.

Gross & net yieldSection 24Buy-to-letBoE base rate
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SIPP Calculator

Projected SIPP value at retirement for 2026/27. Applies HMRC tax relief and the Annual Allowance rules.

HMRC tax reliefAnnual AllowanceRetirement valueCompound growth
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ISA Calculator

Projected value of a Cash, Stocks & Shares, or Lifetime ISA for 2026/27 using HMRC ISA allowance rules.

HMRC ISA allowanceCash / S&S / LISATax-free growthCompounding
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ROI Calculator

Return on investment, CAGR and CGT for the latest UK tax year using HMRC rates and the annual exempt amount.

CAGRHMRC CGT rates£3,000 exemptAfter-tax return
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Salary Sacrifice Calculator

Income Tax and National Insurance saved through pension salary sacrifice for 2026–27 using HMRC rates.

Income Tax savedNI savedPension contributionHMRC 2026–27
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Council Tax Calculator

Council tax by band for England, Scotland and Wales using official 2026-27 Band D rates and statutory band proportions.

Bands A–IEngland/Scotland/Wales2026-27 ratesgov.uk
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Student Loan Repayment Calculator

UK student loan repayments for 2026-27 across Plans 1, 2, 4, 5 and Postgraduate using official gov.uk thresholds.

Plans 1/2/4/5/PG2026-27 thresholdsMonthly repaymentgov.uk
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Plan ahead

Upcoming United Kingdom dates NEW

Tax filing, pension, BoE rate decisions and inflation releases — sourced from HMRC, BoE and ONS.

Open calendar
September 2026
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  • 16SEP
    CPI inflation data: August 2026
    Inflation · ONS
    Today
  • 17SEP
    Bank of England rate decision
    interest-rate · Bank of England
    Tomorrow
  • 01OCT
    Energy Price Cap Q4 2026 takes effect
    Bills · Ofgem
    In 2 weeks
See full calendar

What changed this year

Recent rate, bracket and threshold changes from HMRC and the relevant authorities.

6 Apr 2026

2026–27 tax year began

Income tax rates and bands carried over unchanged from 2025–26. The freeze on the Personal Allowance and higher-rate threshold was extended in the 2025 Autumn Budget through April 2031.

HMRC
6 Apr 2026

Dividend tax rates increased

Basic dividend rate rose from 8.75% to 10.75%, higher rate from 33.75% to 35.75%. The £500 dividend allowance is unchanged.

HMRC
Until Apr 2031

Income tax thresholds frozen

The Personal Allowance (£12,570), Basic Rate threshold (£50,270) and Additional Rate threshold (£125,140) remain frozen until April 2031, sustaining fiscal drag.

HMRC
Legislated for 2027

Separate rates on savings & property income

From April 2027, savings and property income will be taxed at 22%, 42% and 47% — 2 percentage points above the main income tax rates.

HMRC
Ongoing

Bank of England Bank Rate decisions

The MPC reviews Bank Rate eight times per year. Mortgage calculators reference the published rate.

Bank of England

How Money Snap calculators work

Three steps to a sourced estimate.

01

Select a calculator

Pick the United Kingdom calculator that matches the figure to estimate.

02

Enter inputs

Add income, loan or property values. Inputs stay in your browser only.

03

Review the breakdown

See itemised results based on official HMRC brackets and current rates.

Frequently asked questions

Common questions about Money Snap United Kingdom calculators.

All calculations run in your browser. Inputs are not stored, transmitted or shared by Money Snap.
UK calculators reference the HMRC 2026–27 tax year (6 April 2026 to 5 April 2027) unless otherwise noted.
Yes — the Income Tax Calculator includes a Scotland option using the Scottish Government and HMRC published bands.
The mortgage calculator produces illustrative estimates only. APRC and product fees vary by lender — refer to a regulated adviser for a quote.
The Pension Calculator applies basic-rate tax relief on personal contributions. Higher-rate and additional-rate relief must be claimed via Self Assessment.
The standard UK VAT rate of 20% is published by HMRC. Reduced (5%) and zero-rated supplies are not handled by the standard VAT calculator.
No. Money Snap is not authorised by the FCA to provide regulated advice. Results are estimates only.
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Money Snap United Kingdom calculators are sourced from HMRC and reviewed each fiscal period. Pass it along to a friend, colleague or family member who might find it useful.

Methodology & data sources

How Money Snap United Kingdom calculators are built, sourced and maintained.

Data sources
HM Revenue & Customs
gov.uk/hmrc
Income tax bands, NI Class 1, SDLT, CGT, VAT, dividend tax
Reviewed quarterly
Bank of England
bankofengland.co.uk
Bank Rate, mortgage reference rates, inflation series
Reviewed monthly
Financial Conduct Authority
fca.org.uk
Lender conduct, APR/APRC rules, pension regulations
Reviewed quarterly
Office for National Statistics
ons.gov.uk
CPI and CPIH for inflation calculations
Reviewed monthly
Methodology
Income tax HMRC 2026–27 bands for England, Wales and Northern Ireland (Scotland uses separate bands). Personal Allowance tapers above £100,000.
National Insurance Class 1 employee NI: 8% between Primary Threshold and Upper Earnings Limit, 2% above.
SDLT Residential rates for main residence: 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above. Effective from April 2025.
Mortgage Standard principal-and-interest amortisation with monthly compounding.
Editorial standards
  • Money Snap does not provide financial advice. Results are illustrative estimates only.
  • No product is ranked, recommended or endorsed.
  • No AI-generated investment recommendations are produced anywhere on the platform.
  • Rate figures are sourced exclusively from official government and regulatory channels.

This page is provided for educational and informational purposes only and does not constitute financial advice. Results from linked calculators are estimates based on the inputs provided. Rates, tax brackets and regulations are subject to change. Refer to HM Revenue & Customs (HMRC), the Bank of England and the FCA and seek independent professional advice.

Sources: HMRC Bank of England FCA