UK Tax Calculators 2024/25
Eight free calculators covering the whole UK personal tax stack — from your monthly payslip to your capital gains bill. All figures updated for the 6 April 2024 – 5 April 2025 tax year.
UK Take-Home Pay Calculator
Work out your UK take-home pay after Income Tax, NI, pension and student loan. Get monthly, weekly and hourly net pay with a full breakdown.
Open calculator →Scottish Take-Home Pay Calculator
Work out Scottish take-home pay after Scottish Income Tax, NI, pension and student loan. All six 2024/25 Scottish bands, starter through top.
Open calculator →UK National Insurance Calculator
Work out your National Insurance for 2024/25 — employee (Class 1, 8%), self-employed (Class 4, 6%) and employer (13.8%). Enter your salary or profit to see annual and monthly NI and your effective rate.
Open calculator →UK Self-Employed Tax Calculator
Work out the Income Tax and National Insurance (Class 2 & 4) you'll owe as a UK sole trader. Get your bill, take-home and payment-on-account.
Open calculator →UK Student Loan Repayment Calculator
Work out your annual and monthly student loan repayments for 2024/25. Covers Plan 1, 2, 4, 5 and the Postgraduate Loan, with the correct income thresholds and 9% / 6% rates.
Open calculator →UK Adjusted Net Income Calculator
Work out your adjusted net income — the figure HMRC uses for the £100k Personal Allowance taper, the £60k Child Benefit charge and the £260k pension allowance taper. See which thresholds you've crossed and the pension top-up to get back under. 2024/25.
Open calculator →UK Salary Sacrifice Pension Calculator
See how much extra pension you get — and how little your take-home actually drops — with salary sacrifice. Shows the NI saving in £ terms.
Open calculator →UK Bonus Sacrifice Calculator
Should you take your bonus as cash or sacrifice it into your pension? See the take-home you give up vs the pension value you gain — including the £100k trap (60% relief), Child Benefit rescue, and employer NI uplift. 2024/25 UK.
Open calculator →UK Electric Car Salary Sacrifice Calculator
Work out the real monthly cost of an electric car through salary sacrifice. See the Income Tax and NI you save, the low 2% Benefit-in-Kind charge, and how much cheaper an EV is than leasing from your net pay. 2024/25 UK.
Open calculator →UK SIPP Tax Relief Calculator
Work out the real cost of your SIPP contribution after tax relief. Handles basic, higher, additional, Scottish and the £100k taper trick. 2024/25.
Open calculator →UK Tapered Annual Allowance Calculator
Work out your tapered pension Annual Allowance for 2024/25. Enter threshold income and adjusted income — get your personal AA, taper, and the maximum contribution before an Annual Allowance Charge kicks in.
Open calculator →UK Pension Carry Forward Calculator
Work out how much unused pension Annual Allowance you can carry forward from the last 3 years. Handles the £40k→£60k change, tapering, and oldest-first ordering to show your maximum contribution this year.
Open calculator →UK Lump Sum Allowance (LSA) Calculator
The Lifetime Allowance was abolished in April 2024. Work out your Lump Sum Allowance (£268,275) and Lump Sum & Death Benefit Allowance (£1,073,100) — how much of your pension you can actually take tax-free.
Open calculator →UK Child Benefit High Income Tax Charge Calculator
Free 2024/25 HICBC calculator with the new £60k–£80k thresholds. Enter salary, pension and number of kids — see your Child Benefit clawback, effective marginal rate, and the exact pension top-up that eliminates the charge.
Open calculator →UK Dividend Tax Calculator
Work out UK dividend tax for 2024/25. Handles the £500 allowance, Personal Allowance interaction, and the 8.75/33.75/39.35% rates.
Open calculator →UK Capital Gains Tax Calculator
Work out your UK Capital Gains Tax for 2024/25 on shares, funds or property. Handles the £3,000 exempt amount and shares vs property rates.
Open calculator →UK Marriage Allowance Calculator
Find out whether you and your partner can claim the Marriage Allowance, and how much you'd save from transferring £1,260 of Personal Allowance.
Open calculator →UK Stamp Duty (SDLT) Calculator
Work out UK Stamp Duty Land Tax on a property purchase. Covers standard buyers, first-time buyers and additional/buy-to-let, with band-by-band breakdown.
Open calculator →The 2024/25 UK tax numbers at a glance
- £12,570 — Personal Allowance (Income Tax)
- £50,270 — Higher-rate threshold (20% → 40%)
- £125,140 — Additional-rate threshold (40% → 45%); Personal Allowance fully tapered by this point
- 8% — Class 1 NI main rate (was 12% for most of 2023/24)
- £3,000 — Capital Gains annual exempt amount (down from £6,000)
- £500 — Dividend allowance (down from £1,000)
- 24% — Higher CGT rate on residential property (down from 28% on 6 Apr 2024)
- £1,260 — Marriage Allowance transfer — worth up to £252/year
Which calculator do I need?
- Employed, salaried? Start with UK Take-Home Pay. Scots use Scottish Take-Home.
- Self-employed / sole trader? Use Self-Employed Tax — it handles Class 2 and Class 4 NI.
- Company director on salary + dividends? Use Dividend Tax. Also check Take-Home for the salary side.
- Boosting pension via work? Salary Sacrifice shows the NI saving in £ terms.
- Selling shares or a second property? Capital Gains Tax handles both asset types.
- Married, one of you a low earner? Marriage Allowance — up to £252/year.
- Buying a home? Stamp Duty — first-time-buyer, second-home and buy-to-let flags.
How UK tax actually stacks (in plain English)
Your income is treated in layers. Income Tax and National Insurance both apply to earnings, but with different thresholds. Dividends and capital gains are taxed on top of your salary — so a £5,000 gain feels very different if you earn £30,000 versus £80,000. That's why our calcs ask for your other income: to know which band your gain or dividend falls into.
FAQ
Are these calculators up to date?
Yes — all eight calculators use HMRC's published 2024/25 rates, bands and thresholds. We update them when Autumn/Spring statements change anything.
Do you store my inputs?
No. Every calculation runs entirely in your browser. Nothing is sent to a server. See our privacy policy.
Can I trust these for tax returns?
These are for guidance and planning. For your Self Assessment or PAYE position, double-check via your HMRC Personal Tax Account or an accountant.