Pensions
Pension Tax-Free Lump Sum: How the 25% Rule Works (2026/27)
You can normally take 25% of your pension as a tax-free lump sum, capped at £268,275. Here is exactly how the rule works…
Pay the tax you owe. Not a penny more.
Free UK tax calculators and plain-English guides, with the calculator built into the guide — so you get from “how does this work?” to “what does it mean for me?” without leaving the page.
205 calculators tell you what you owe. TaxFly tells you what to do about it.
Free · no account · no bank connection
Free tax check
4 questions
Work expenses, uniform allowance and higher-rate pension relief go unclaimed every year. The check is free, takes a minute, and tells you how to claim direct from HMRC.
Any time of year
Check what you are missingMost reliefs backdate four tax years
Marriage Allowance, higher-rate pension relief and employment expenses can all be claimed for years already gone — which is why a first check is usually worth several times the annual figure.
The decisions people actually ask about
All 20 →Grouped by who you are, not by which tax it falls under. Every one shows all the options with the workings, on your own figures.
Everyone
Higher earners
Employed
Self-employed
Limited company
Start from your situation
EmployedTax code, higher rate, pension relief, and what a pay rise really costs.5 decisionsSelf-employedExpenses, mileage, VAT, payments on account and whether to incorporate.10 decisionsLandlordThe finance-cost restriction, Rent a Room, and quarterly reporting from 2026.4 decisionsLimited companySalary, dividends and pension; corporation tax; company cars; VAT schemes.8 decisions
Most read guides
All guides →
Taxes
UK Income Tax Rates and Bands 2026/27: A Plain-English Guide
Understand UK income tax rates and bands for 2026/27, including the Personal Allowance, the basic, higher and additional…
Savings & ISAs
ISA Allowance 2026/27: How to Use Your £20,000 Tax-Free Limit
Your ISA allowance 2026/27 is £20,000 per person. Here's how to split it across ISA types, use the LISA bonus, and grow…
Three free checks
All 33 tools →Tax Code Check
- Decode what the letters and numbers on your code actually mean
- See the allowance HMRC has given you for the year
- Spot an emergency or month-1 code before it costs you
Find money you are owed
- A few questions, no sign-up
- Covers work expenses, uniform and higher-rate pension relief
- Tells you how to claim direct from HMRC, free
Making Tax Digital
- Find out whether the quarterly rules apply to you yet
- The income thresholds and the dates they start
- What you have to send HMRC, and when
Latest guides
All guides →Taxes
How to Challenge Your Council Tax Band
Your band is based on what your home was worth in 1991, not today — and many were set wrongly and never revisited. How…
Taxes
Emergency Tax Codes Explained: Why You Are on One and How to Get Your Money Back
An emergency code ends W1, M1 or X and taxes you as though every pay period were your first. On a salary it usually…
Personal Finance
P11D and Benefits in Kind Explained: What Your Employer Reports and What It Costs You
Your employer reports benefits in kind on a P11D by 6 July. Nothing is deducted from your pay, but your tax code falls…
Taxes
Self Assessment Penalties: What You Owe at 1 Day, 3 Months, 6 Months and a Year
Miss the 31 January deadline and you owe £100 on day one. Miss it by a year on a £9,000 bill and penalties hit £3,250,…
Most-used calculators
All 205 →01Mansion Tax Calculator (High-Value Surcharge)3,47902Salary Calculator (Take-Home Pay)1,86403Savings Interest Tax Calculator1,27404Mortgage Affordability Calculator1,16405Tax Code Checker1,12606Income Tax Calculator850
Every calculator shows its working
205 calculators and tools, from take-home pay to capital gains. Each one states the tax year it used and the rules it applied, so you can check the answer rather than take it on trust.
Ranked by page views on TaxFly. Figures are for the 2026/27 tax year and cover England, Scotland, Wales and Northern Ireland.
Tax news
All news →
News
HMRC Wage Raid Payroll Checks 2026: Who Gets Visited and Why
Payroll compliance checks have stepped up sharply in 2026, with 389 employers named and the new Fair Work Agency…
News
Claiming Tax Relief on Work Expenses: HMRC's Updated P87 Rules
HMRC has updated its P87 guidance and formal directions on what a job expenses claim must contain. Miss the employer…
News
HMRC Mileage Rate Rises to 55p a Mile, Backdated to 6 April 2026
The approved mileage rate for cars and vans rises from 45p to 55p per mile for the first 10,000 business miles, the…
News
MTD Sign-Up Service Down 10 to 13 July: Act Before the 7 August Deadline
HMRC is taking its Making Tax Digital sign-up services offline from 5pm on Friday 10 July until 9am on Monday 13 July…
Software that files it for you
Partner linksIf you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.
FreeAgent
Free optionMTD ready
The freelancer and contractor favourite, free with some bank accounts.
- Free forever with a NatWest, Royal Bank of Scotland, Ulster or Mettle business account
- Built-in Self Assessment and MTD for Income Tax filing
From £0 with a NatWest, RBS or Mettle account, otherwise about £19/mo
See FreeAgentQuickBooks
MTD ready
The big all-rounder with the deepest MTD track record.
- Sole Trader plan built specifically for Self Assessment and MTD
- Snap and store receipts, automatic bank feeds
From about £10/mo, frequent 90% off intro offers
See QuickBooksXero
MTD ready
The scale-up choice once you have staff, stock or VAT.
- Huge app marketplace and the accountant industry standard
- Strong for VAT, payroll and multi-user limited companies
From about £15/mo
See XeroWe may earn a commission if you sign up through one of these links. It never changes what we calculate, what we recommend, or the order they appear in.
About TaxFly
A UK tax reference you can check, not just trust
TaxFly is a free UK tax reference: 205 calculators and tools and 99 guides covering income tax, take-home pay, National Insurance, self-employment, VAT, capital gains, stamp duty, pensions and savings. It exists because most tax calculators online are thin, out of date or quietly wrong.
Every figure follows the official published rules, every guide is written and reviewed in-house by a named person, and nothing is behind a sign-up. We give estimates for guidance — not regulated tax advice.
Accuracy is the product
Every figure follows the published rules from GOV.UK, Revenue Scotland and the Welsh Government — including where the rules differ by nation.
Always up to date
Rates and thresholds are reviewed each tax year, and again when a Budget moves them. Every calculator shows when it was last checked.
Free, no account
Nothing here is paywalled and nothing needs a sign-up. Advertising and partner links pay for the site; they never change the maths.
Maria Moisei
Tax Accountant
UK tax accountant
Maria Moisei is a UK tax accountant working across personal tax compliance, from routine returns to the cases where an allowance or a relief has quietly been missed for years. At TaxFly she reviews the personal tax guides and the allowances that most people underclaim: the personal allowance, the personal savings allowance, marriage allowance, work-expense claims and the tax-refund routes.
Frequently asked questions
Is TaxFly free to use?
Yes. Every calculator, tool and guide on TaxFly is free to use and none of them require an account. The site is paid for by advertising and by partner links in some guides, which never change a calculation or a recommendation.
Which tax year do the calculators use?
The calculators are set to the current 2026/27 UK tax year, which runs from 6 April to 5 April. Rates and thresholds are reviewed every tax year and again when a Budget changes them, and each calculator shows when it was last reviewed.
Do the calculators work for Scotland, Wales and Northern Ireland?
Yes. UK tax is regional: income tax has its own bands and rates in Scotland, and the tax you pay when buying a home is a different tax in each nation — Stamp Duty Land Tax in England and Northern Ireland, Land and Buildings Transaction Tax in Scotland, Land Transaction Tax in Wales. TaxFly applies the rules for the nation the calculation is for rather than assuming England.
Who writes and checks the guides?
Everything on TaxFly is written and reviewed in-house. Most of the tax guides are written by Laura Michelle Davis, a Chartered Tax Adviser (CTA) who also holds the ACCA and ATT qualifications and a BSc in Economics from UC Berkeley; news and explainers come from the TaxFly editorial team. Every guide carries a named byline and a review date.
Where do the numbers come from?
From the official published rates — GOV.UK and HMRC for UK-wide taxes, Revenue Scotland and the Welsh Government where a tax is devolved. Our method for each calculation, including the assumptions it makes, is written up rather than hidden.
Is this tax advice?
No. TaxFly gives estimates for guidance only and is not a substitute for professional advice. For a decision that matters — a large capital gain, a property purchase, an HMRC dispute — speak to a qualified accountant or adviser, or check your position directly with HMRC.
What happens to the figures I type in?
The calculators run in your browser. The salary, expenses or gains you enter are worked out on your own device and are not sent to us or stored. You only share an email address if you choose to — to subscribe, or to create an account for saving results.
I think my tax code is wrong — what should I do?
Check the code first, then challenge it. Roughly speaking, the number in your code is the tax-free allowance HMRC thinks you are entitled to, divided by ten, and the letters describe your circumstances. The Tax Code Checker explains what yours means and what it implies for your take-home pay before you contact HMRC.
Deadlines, rate changes and what to claim
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