Six free tax calculators on the 2026 to 2027 rates.
PAYE · £35,000 salary
£0
take home a month
Point at a key for its answer, or press it to open that calculator.
Six calculators on the rates for the tax year that began on 6 April 2026. They run in your browser: nothing you type is sent to us, stored or tracked. They are free, they need no email address, and every one shows its working so you can see where the figure comes from.
Work it out right here.
PAYE calculator
England, Wales and Northern Ireland bands. Your tax code is on your payslip or P60; pension is a percentage taken before tax.
| Gross pay | |
|---|---|
| Pension | |
| Income tax | |
| National Insurance | |
| Student loan | |
| Take home |
Sole trader tax estimate
Trading profit after expenses. If you also have a salary or pension taxed through PAYE, enter it below so your profit is taxed in the right band. Payments on account are shown where they apply.
| Income tax | |
|---|---|
| Class 4 National Insurance | |
| Total due |
CIS refund estimate
For subcontractors paid under the Construction Industry Scheme, where the CIS work is your only income for the year. The figures are on your monthly CIS statements.
| Turnover invoiced | |
|---|---|
| Your expenses | |
| Profit for the year | |
| Income tax | |
| Class 4 National Insurance | |
| Tax due for the year | |
| CIS already deducted | |
| Refund due to you |
Salary or dividend?
Put in the company's profit and the amount you want to take out. We work out the whole tax bill, company and personal together, if you draw that same amount as salary and if you draw it as a dividend. Assumes you have no other income and no Employment Allowance, which a company whose only employee is its director cannot claim.
| Taking £0 as | Salary | Dividend |
|---|---|---|
| Employer National Insurance | – | |
| Corporation tax | ||
| Income tax | – | |
| Your National Insurance | – | |
| Dividend tax | – | |
| Total tax, company and you | ||
| In your pocket | ||
| Left in the company |
A guide only. Most directors end up with a mix: a salary of at least £6,708 (the lower earnings limit) keeps the State Pension record, a salary up to the £12,570 personal allowance is usually the most tax efficient, and the rest comes as dividends. The right answer also changes with other income, pension contributions and more than one shareholder.
Have us set this properlyCorporation tax
Taxable profit for a twelve month accounting period. Between £50,000 and £250,000 marginal relief applies, which is where most growing companies sit.
| Taxable profit | |
|---|---|
| At the main rate of 25% | |
| Less marginal relief | |
| Corporation tax due |
Making Tax Digital checker
HMRC adds your sole trader turnover and your share of UK and foreign rent together, before expenses, and looks at the tax year two years before each start date. Partnership profits, wages and dividends do not count.
- April 2026Over £50,000
- April 2027Over £30,000
- April 2028Over £20,000
Put your figures in and we will tell you when you join, if at all.
The threshold is tested every year, so a good year can bring you in later. Once in, you send four quarterly updates and a final declaration by 31 January. Ask us to check it properly.
The numbers behind the answers.
Every calculator here works from one set of figures, for the tax year that began on 6 April 2026 in England, Wales and Northern Ireland. Scotland sets its own income tax bands, so a Scottish taxpayer will see a different figure.
- £12,570
- Personal allowance
- 20 / 40 / 45%
- Income tax bands
- 8% then 2%
- Employee National Insurance
- 15%
- Employer National Insurance, above £5,000
- 6% then 2%
- Class 4, self employed
- 10.75 / 35.75%
- Dividend tax, after the £500 allowance
- 19 / 25%
- Corporation tax, 26.5% in the marginal band
- £50,000
- Making Tax Digital, £30,000 from April 2027
A calculator gets close. We get it right.
These tools assume a simple picture: one source of income, a full tax year and no reliefs beyond the obvious. Real returns have student loans, pension contributions, a second job, losses brought forward and the allowance nobody mentioned. To give you the real figure we need three things, and most people already have all of them.
-
01
Last year, as it was filed
Your last tax return or set of accounts, or the tax year overview from your HMRC account. Never filed before? Say so, and we start from your first day of trading instead.
-
02
This year, as it stands
Bank statements, your bookkeeping file (QuickBooks, Xero, Sage or FreeAgent) or a simple list of income and costs. Photographs of receipts are fine; so is a shoebox, if that is what you have.
-
03
Anything that moves the figure
A second job or a pension, a student loan plan, rent, dividends, CIS statements, pension contributions, losses carried forward. One line each is enough.
What comes back: the real figure, a short note of what it is made of and what we would change, and one fixed fee to have us file it, from £150 for a self assessment tax return. Within a working day, with no obligation either way.
The Tax Desk, answered.
No. Every calculation happens inside your own browser and nothing leaves the page. Nothing you type is tracked or stored, so we never see the figures unless you choose to send them to us. The only optional cookie on this site is Google Analytics, which counts page visits if you accept it in the banner and cannot see anything you enter.
2026 to 2027, the year that began on 6 April 2026: a £12,570 personal allowance, basic rate to £50,270, dividends at 10.75% and 35.75%, Class 4 at 6%, and corporation tax at 19% up to £50,000. The full table is on the Taxation page. Scotland sets its own income tax bands, so a Scottish taxpayer will see a different figure.
It depends on your profit, but the reason there is nearly always a refund is simple: 20% comes off everything you invoice for labour before any allowance or expenses, while your real bill is worked out on profit after the £12,570 personal allowance and everything you spent on tools, materials, van, mileage, insurance and phone. Put your own figures into the CIS calculator above.
The arithmetic is right, but each one assumes a simple picture: one source of income, a full tax year, and no reliefs beyond the obvious. Real returns have student loans, pension contributions, other jobs, prior year losses and the odd allowance nobody mentions. Treat the answer as the right order of magnitude, not the filed figure.
Yes, and the first look costs nothing. Send last year's return, a set of accounts or simply a bank statement, and we will tell you what the position really is and what it would cost to have us handle it. No obligation either way.
Ready for the real number?
Now get the figure you can actually file.
Send last year's return, a set of accounts or a bank statement. One fixed fee back within a working day, and no obligation either way.