Decoding Your UK Tax Bill: The FY 2025-2026 Calculator
Understand Your Income Tax, NI, Capital Gains, **VAT**, and Stamp Duty in Minutes
The **UK's tax system** is known for its complexity, with annual changes to allowances and bands significantly impacting your take-home pay and investment returns. With the Financial Year 2025/2026 approaching, it's vital to model your liabilities accurately.
We've created a simple, all-in-one, **interactive UK Tax Dashboard** using the most reliable rates and allowances for the 2025-2026 financial year (for England and Northern Ireland). This tool lets you estimate your annual tax and National Insurance contribution, calculate Capital Gains Tax (CGT) on asset sales, **Value Added Tax (VAT) liability**, and determine Stamp Duty Land Tax (SDLT) on property purchases.
UK Tax & Fee Calculation Dashboard (FY 2025-2026)
Rates and allowances for England and Northern Ireland. All calculations are estimates based on standard UK tax codes.
Credit: Muhammad Rizwan Sukhera | CEO - Raza Group.
1. Income Tax & National Insurance (Annual)
Annual Summary
2. Capital Gains Tax (CGT)
CGT Summary
3. Stamp Duty Land Tax (SDLT) - England/NI
SDLT Summary
- £0 - £250,000: 0.00
- £250k - £925k: 0.00
4. Value Added Tax (VAT) Calculation
VAT Liability Summary
5. Other Taxes & Exemptions (Summary)
The UK tax system involves several other duties and thresholds, including:
- **Inheritance Tax:** 40% charged above the nil-rate band (£325,000).
- **Corporation Tax:** Main rate is 25% (for profits over £250k).
- **Dividend Tax:** Additional rates apply for income from company dividends.
Key Thresholds
Important Disclaimer
This calculator is for informational and estimation purposes only and should not be considered professional tax advice. Rates are based on official UK Government announcements for the 2025/2026 Financial Year (England and Northern Ireland). This tool assumes a standard tax code, does not account for Dividend Tax, Savings Allowance, Marriage Allowance, or specific reliefs (e.g., First-Time Buyer SDLT relief). **The VAT calculation uses the standard 20% rate and does not account for reduced (5%) or zero (0%) rated supplies.** For definitive guidance, you must consult with a qualified accountant or tax professional.
Conclusion: Your Tax Planning Starts Now
The **2025-2026 tax year** brings significant stability in Personal Allowance and band thresholds. Using tools like this helps you estimate your obligations and plan ahead. Pay particular attention to:
- **Personal Allowance Taper:** The rate of tax between £100,000 and £125,140 effectively hits 60% as you lose your Personal Allowance.
- **VAT:** Ensuring correct records are kept for **Input VAT** (what you pay) and **Output VAT** (what you charge) is critical for managing your cash flow.
- **Capital Gains:** Use your reduced £3,000 AEA wisely to minimise your liability on property and asset sales.
We hope this dashboard provides the clarity you need to navigate the next financial year.
Which tax—Income Tax, VAT, or Capital Gains—do you find the most confusing to calculate?
