Which UK tax calculator do I need?
It depends on how you earn. If you drive or deliver for a platform like Uber, Deliveroo or Amazon Flex, you are self-employed: start with the calculator for your platform, or the general sole trader calculator, which works out Income Tax and Class 2/4 National Insurance on your profit after expenses. If you are employed and just want your take-home pay, use the income tax & PAYE calculator. Company directors paying themselves in dividends should use the dividend tax calculator alongside corporation tax.
What's changing in 2026
The headline change is Making Tax Digital (MTD) for Income Tax. From 6 April 2026, sole traders and landlords whose gross trading and property income is over £50,000 must keep digital records and send HMRC a quarterly update through compatible software. The threshold drops to £30,000 in April 2027 and £20,000 in April 2028. Because the test is on gross income, not profit, some gig and delivery workers on thin margins are caught even though their take-home is modest — our qualifying-income checker tells you in one screen, and the deadline calculator gives you the dates.
Why you can trust these numbers
Tax calculators are only as good as the assumptions behind them, so we show ours. Every calculator:
- uses the official rates and thresholds published on gov.uk, with the source linked on each page;
- shows the working — the bands, the National Insurance, and how the total is reached — so you can check the figure against your own situation;
- carries a visible “last updated” date so you know which tax year it reflects;
- runs locally in your browser, so the income and expense figures you enter never leave your device.
UK Tax Utility provides information and estimates to help you understand your tax, not regulated financial or tax advice. Figures are estimates; for decisions that matter, check your own circumstances with HMRC or a qualified accountant.
Frequently asked questions
Are these calculators free?
Yes — every calculator on UK Tax Utility is free to use with no signup, no account, and no limit on how many times you use it.
Which tax year do they use?
The calculators are set to the 2026/27 tax year (6 April 2026 to 5 April 2027), using the rates and thresholds published on gov.uk. Each page shows a “last updated” date.
Is the income I enter private?
Yes. The calculations run entirely in your browser using JavaScript. The numbers you type are not uploaded or stored on any server — clearing your browser removes them.
Are these official HMRC figures?
The rates come from HMRC's published figures on gov.uk, and we link the source on each page. The tools are independent estimators, not an official HMRC service, and are not a substitute for filing your Self Assessment return.
Do gig and delivery workers have to file a tax return?
Generally yes, if your self-employed income is over the £1,000 trading allowance in a tax year. You report income and expenses through Self Assessment, and from April 2026 some traders also fall under Making Tax Digital — use the qualifying-income checker to see if that's you.