Free UK Tax Calculators 2026/27
Nine calculators covering every major UK tax decision for sole traders, limited company directors, and contractors. All updated for 2026/27 thresholds — personal allowance, NI rates, corporation tax, dividend tax, and MTD ITSA deadlines.
The UK tax system changes every April, and the 2026/27 year brings frozen thresholds for the fifth consecutive year, a revised employer NI secondary threshold, and the arrival of Making Tax Digital for Income Tax for higher earners. Whether you are deciding between operating as a sole trader or limited company, negotiating a new contractor day rate, or planning your salary and dividend combination as a director, the right calculation can be worth thousands of pounds a year.
These calculators use the confirmed 2026/27 figures: personal allowance £12,570, basic rate band to £50,270, corporation tax small profits rate 19% (up to £50,000), main rate 25% (above £250,000), employer NI at 15% above the £9,100 secondary threshold, and dividend tax rates of 8.75%, 33.75%, and 39.35%. Every calculator shows a full breakdown so you can understand the maths, not just the answer.
AccLedger built these tools as a transparent top of funnel. When the numbers tell you to incorporate, switch structures, or get your MTD ITSA compliance in order, you can open an AccLedger account and start acting on that advice immediately — without needing to export anything or re-enter a single figure.
IR35 Calculator
Outside IR35 (Ltd Co) vs Inside IR35 (umbrella) vs permanent employee — side-by-side net take-home at your day rate.
Sole Trader vs Ltd Co
Three-column comparison at any income level: sole trader, limited company, and permanent employee. Shows the exact £ saving and the crossover point.
Take Home Pay
Annual gross salary → monthly and weekly net pay after income tax, NI, student loan (all plans), and pension salary sacrifice.
Dividend Tax
Gross dividends → tax by band (8.75% / 33.75% / 39.35%). Correctly positions dividends on top of your other income.
Corporation Tax
Company profit → CT bill with small profits rate (19%), marginal relief, and main rate (25%). Explains the 26.5% effective marginal band.
Contractor Day Rate
Two modes: enter a target take-home to find the day rate you need, or enter a day rate to see your annual income. Outside IR35 via Ltd Co.
Optimal Salary & Dividend Split
Searches every salary level in £500 steps to find the most tax-efficient combination for your company profit. Includes a comparison table and pension modelling.
Multi-Shareholder Dividends
Up to 4 shareholders — distribute company profit, see each person's dividend tax based on their own income, and total net take-home across the company.
MTD ITSA Readiness Checker
5-question quiz → readiness score and personalised action plan. Are you compliant for Making Tax Digital Income Tax? Mandatory April 2026 for £50k+ income.
AccLedger turns these numbers into action
The calculators show you what to do. AccLedger does it — bookkeeping, VAT, payroll, dividends, corporation tax, and MTD ITSA filed direct to HMRC.
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