Self Assessment Tax Calculator • UK Income Tax Estimate • Tax Accountant Exeter
Self Assessment Tax Calculator
Use this Self Assessment Tax Calculator to estimate UK Income Tax on employment income, self-employment profit, property profit, pension income, P11D benefits, savings interest and dividends for the current tax year and previous four tax years.
The calculator covers England, Wales and Northern Ireland for 2022/23 to 2026/27. It does not calculate Scottish Income Tax, National Insurance, student loans, High Income Child Benefit Charge, Capital Gains Tax, foreign tax credit, penalties or interest.
Rates reviewed: 30 July 2026
Calculate an estimated Income Tax liability
Enter the figures for one tax year
Enter gross taxable income and tax deducted for the selected year. Leave a field blank where it does not apply.
Calculation method
What the Self Assessment calculator includes
The calculator orders income as non-savings income, savings income and dividends. It then applies the Personal Allowance, any taper above £100,000, the starting rate for savings, Personal Savings Allowance, dividend allowance and the applicable tax bands for the selected year.
Gross relief-at-source pension contributions and gross Gift Aid donations reduce adjusted net income and extend the basic-rate and higher-rate limits. Zero-rate savings and dividend amounts still use tax-band capacity.
This calculator does not include
- Class 2 or Class 4 National Insurance.
- Student or postgraduate loan repayments.
- High Income Child Benefit Charge.
- Capital Gains Tax.
- Marriage Allowance or Blind Person’s Allowance.
- Foreign Tax Credit Relief or treaty claims.
- Scottish Income Tax rates and bands.
- Late-payment interest, filing penalties or surcharges.
- Payments on account becoming due for the following tax year.
Current-year reference
Principal rates used for 2026/27
The selected tax year controls the calculation. These figures summarise the current 2026/27 position for England, Wales and Northern Ireland.
£12,570
Reduced by £1 for every £2 of adjusted net income above £100,000 and nil from £125,140.
20% • 40% • 45%
Basic-rate taxable income up to £37,700, higher rate to £125,140 and additional rate above it.
£5,000 • £1,000 • £500
Starting-rate limit up to £5,000, with a Personal Savings Allowance of £1,000 or £500 where applicable.
10.75% • 35.75% • 39.35%
Applied above the £500 dividend allowance according to the tax band occupied by the dividend income.
When a simple estimate is not enough
Ask us to check before filing
A Self Assessment calculation can change where reliefs, ownership, loss claims, National Insurance, pension limits or HMRC adjustments apply.
Property income
Finance-cost tax reductions, jointly owned income, brought-forward losses and capital expenditure can affect the result.
Self-employment
Allowable expenses, capital allowances, trading losses and Class 4 National Insurance require separate calculations.
Dividends and company income
Dividend tax depends on total income, company distributions and the tax bands occupied after other income.
Pensions and Gift Aid
Relief-at-source, net-pay and employer contributions have different effects and annual-allowance rules may apply.
Foreign income or residence
Residence, FIG relief, treaties, foreign tax credits, remittances and exchange rates are outside this calculator.
HMRC calculation or payments on account
We can review the SA302, tax-year overview, coding adjustments and current or future payments on account.
Self Assessment review and filing
We can prepare, review or correct the tax return
Contact us where the estimate differs from HMRC, the return includes several income sources, or the treatment of a relief, loss, property expense, foreign item or payment on account is uncertain.
Specialist review can cover
- Self Assessment returns and amendments.
- Rental income and property finance costs.
- Business profit and National Insurance.
- Dividends, savings and pension income.
- P11D benefits and PAYE reconciliations.
- SA302 and payments-on-account reviews.