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Tax and Salary Planning Hub
Start with your income, then choose the next move: optimize take-home pay, check bonus impact, decode your tax code, or model student loan and pension trade-offs.
Suggested path
- Calculate your baseline pay with the UK Tax Calculator.
- Model edge cases like bonuses or contracting income.
- Use the guides to validate tax code, payslip, and filing decisions.
- Check the current bands in our UK income tax rates 2026/27 breakdown.
Priority calculators
View all tools →UK Tax Calculator
Calculate your take-home pay with UK tax & NI deductions!
Pro Rata Salary Calculator
Convert FTE salary to actual part-time pay — for job shares, term-time, and reduced hours
Where Does My Tax Go?
See exactly where your tax money goes across UK government services!
Bonus Tax Calculator
Calculate how much of your bonus you'll actually take home after tax.
Tax Trap Optimizer
Escape the 60% tax trap between £100k-£125k with pension optimization!
Self-Employed Tax Calculator
Calculate income tax, Class 2 & 4 National Insurance, and take-home pay as a sole trader!
Student Loan Repayment Calculator
Project your student loan repayments and write-off date for Plans 1, 2, 4 and 5!
Capital Gains Tax Calculator
Calculate CGT on property, shares, crypto and business assets with 2025-26 October Budget rates!
Child Benefit Calculator
Calculate your Child Benefit entitlement and High Income Child Benefit Charge (HICBC)!
Contractor Tax Calculator
Compare Ltd company vs PAYE vs IR35 take-home pay as a UK contractor!
Cycle to Work Calculator
Estimate tax and NI savings from the Cycle to Work salary sacrifice scheme and your true bike cost!
Inheritance Tax Calculator
Calculate Inheritance Tax on a UK estate with nil-rate band, residence nil-rate band, and charitable relief!
Guides for decisions
View all guides →UK Tax Codes Explained
What every tax code means — 1257L, BR, 0T, K codes and emergency codes decoded, plus how to fix a wrong code
Understanding Your UK Payslip
Decode your payslip - understand tax codes, deductions, and take-home pay
UK High Earner Tax Cliffs
Complete list of UK high earner thresholds — £60k, £100k, £125,140, £260k+ and the pension taper
Bonus Tax Explained
Calculate your bonus take-home after tax & NI. Understand the 60% tax trap and pension strategies
Self Assessment Guide UK
Who needs to file, deadlines, penalties, payments on account, allowable expenses, and how to reduce your tax bill
Capital Gains Tax Guide UK
CGT rates 2025-26, annual exemption, PPR relief, how to report CGT, and legal tax reduction strategies
Student Loan Guide UK
Plans 1, 2, 4 & 5 explained — thresholds, interest rates, write-off dates, and whether to overpay
Cycle to Work Scheme Guide UK
Decision-first guide to Cycle to Work: estimate true cost, tax savings, and when the scheme is worth it.
UK Financial Events Calendar
Track UK tax deadlines, Bank of England decision windows, and Budget timing with exportable calendar links.
Inheritance Tax Guide UK
Complete guide to UK Inheritance Tax — thresholds, nil-rate band, residence nil-rate band, gifts, taper relief, and planning strategies.
Latest tax updates
View all posts →UK Tax Deadlines 2026/27: The Full List
Every HMRC and money deadline for the 2026/27 UK tax year in date order: Self Assessment filing and payment, payments on account, Making Tax Digital updates, P60s and more.
Making Tax Digital for Income Tax: UK Guide 2026/27
Making Tax Digital is live. Who must keep digital records and send quarterly updates, the 2026/27 deadlines, penalties, exemptions and software options.
Andy Burnham's Tax Revolution: LVT, Care Levy & What He'd Actually Pass
Beyond LVT: the care levy replacing inheritance tax, Prosperity 2030, bond market constraints, and which tax reforms could actually become law.
NS&I Raises Premium Bonds Prize Rate to 3.80% (July 2026)
NS&I increased the Premium Bonds prize fund rate from 3.30% to 3.80%, adding £57m in tax-free prizes and improving winning odds. Full breakdown of what it means for savers.
New UK Tax Year Checklist 2026/27: 12 Actions to Take
In-depth 2026/27 tax-year to-do list covering income tax changes, payslip checks, pension and ISA planning, student loans, Child Benefit, and key deadlines.
ETF vs OEIC in a UK ISA (2026)
Decision-first comparison of ETFs and OEIC funds inside a Stocks and Shares ISA
Cheapest Stocks and Shares ISA UK (2026)
Decision-first platform fee comparison for ETFs vs funds across different portfolio sizes
UK Income Tax Rates 2026/27: All Bands & Changes
Complete guide to UK income tax rates, bands and thresholds for 2026/27 — including Scotland's new wider bands, NI rates, student loan thresholds, and CGT exemption.
What Is National Insurance? Rates & Bands Explained
What is National Insurance, how much do you pay, and what does it fund? Complete guide to NI rates, bands, classes, and State Pension qualifying years for 2025-26
Where Does My Tax Go? UK Spending Breakdown
See exactly how your tax contributions fund NHS, education, pensions, and more with our complete UK government spending analysis
What Is Pro Rata Pay? Free Salary Calculator (2026)
Learn what pro rata pay means, how to calculate your part-time salary from an FTE figure, and use the free Pro Rata Salary Calculator for instant results.
Is Cycle to Work Worth It in 2026?
Decision-first analysis of Cycle to Work in 2026: when salary sacrifice saves money, when it does not, and how to calculate true cost.
Share Calculator Results Instantly Across All Our Tools
New feature release: generate shareable links for calculator scenarios across all tools to speed up planning with partners and advisers.
How to Share Tax Calculator Scenarios for Salary Negotiation (UK)
Practical salary-negotiation workflow using shared UK tax calculator scenarios to compare net pay outcomes clearly.
Student Loan Overpayment Calculator UK: Plan 5 vs Plan 2
New feature launch: compare baseline vs overpayment scenarios across Plan 1, 2, 4, 5 and Postgraduate to test real repayment outcomes.