Free tool

Personal tax estimator

Estimate your income tax and National Insurance for the year from salary, self-employment, savings and dividends. Your figures stay in your browser and are not sent to us.

Check your tax code and NI record with HMRC

For taxpayers in England, Wales and Northern Ireland. Scottish income tax rates are different; ask us for a Scottish estimate.

Income for the year

Salary, bonuses and taxable benefits, after any pension deducted from your pay before tax.

Taxable profit from your trade, after allowable expenses.

Interest outside ISAs.

Dividends outside ISAs, including from your own company.

Reliefs

What you paid plus the basic rate relief your provider claims, e.g. £8,000 paid counts as £10,000.

What you gave plus the basic rate tax, e.g. £80 given counts as £100.

National Insurance
Estimated income tax and NI £0 0% of your income
Income after tax and NI
£0
Total income
£0
Breakdown
Total£0
How it's worked out

An estimate is a starting point. We can check the detail, spot reliefs you're missing and look at how you take income from your company.

Ask us to check it
Official HMRC tools

Check your figures with HMRC

Our estimate shows what you should pay. HMRC's own services show what they have on record for you: your tax code, the income they know about and your National Insurance record. If the two don't match, it's worth finding out why.

Check your tax code and Income Tax

Sign in to see your tax code, Personal Allowance and the income HMRC holds for you this year, and update it if it's wrong. Open on GOV.UK

HMRC's Income Tax estimator

HMRC's own calculator for the Income Tax and National Insurance you can expect to pay this tax year. Open on GOV.UK

Tax codes explained

What the numbers and letters in your code mean, how HMRC works it out, and what to do if you think it's wrong. Open on GOV.UK

Your National Insurance record

Check for gaps in your record and whether voluntary contributions would increase your State Pension. Open on GOV.UK

Your State Pension forecast

How much State Pension you could get, when you could get it and how you could increase it. Open on GOV.UK

These links open GOV.UK in a new tab. You'll need a Government Gateway or GOV.UK One Login account to sign in to the personal services.

What this estimate covers

It applies the rates and allowances for the year you choose, in the order HMRC applies them: earnings first, then savings, then dividends.

  • Personal allowance, including the taper above £100,000
  • Starting rate for savings and personal savings allowance
  • Dividend allowance and dividend rates
  • Class 1 employee NI, Class 4 and voluntary Class 2
  • Basic rate band extended for pension contributions and Gift Aid

What it leaves out

Scottish income tax, rental income, capital gains, the High Income Child Benefit Charge, marriage allowance, student loan repayments, losses and other reliefs. Employee NI is worked out on annual pay; your payslips assess each pay period separately, so the actual figure can differ slightly.

Not advice

This is an estimate for guidance only. It is not tax advice and should not be relied on for filing or planning decisions without speaking to an adviser.