Skip to content

Self Assessment tax calculator

Enter your income, the tax you have already paid, your work expenses and pension contributions. The calculator estimates your income tax for the year and shows whether you may have overpaid or underpaid. It is a guide: an ACCA accountant confirms the figures when preparing your tax return.

Tax year 2025/26 rates. Updated October 2026. Estimates only.

Estimate your tax position for 2025/26

Four figures from your payslips and records. The result updates as you type.

Total pay for the 2025/26 tax year, before tax.

Shown on your payslips or end of year statement.

Optional. Costs of your job that your employer did not cover.

Optional. Amounts you paid yourself, with basic rate relief added by the provider.

Estimated tax position

Enter your employment income and the tax you have already paid to see an estimate.

Get started

Estimate only. Your accountant confirms the figure when preparing your tax return.

Based on 2025/26 income tax rates and allowances for England, Wales and Northern Ireland: personal allowance £12,570, reduced above £100,000. National Insurance, other income and benefits are not included.

How it works

  1. 1Add your total income for the tax year: salary and any self-employed profit.
  2. 2Add the income tax already taken through PAYE, plus allowable expenses and personal pension contributions.
  3. 3The calculator applies the current bands and your Personal Allowance and shows an estimate.
  4. 4Want it done properly? An ACCA accountant prepares and files your Self Assessment. You approve it before we file.
Get startedor talk to us

Income tax rates 2025/26

England, Wales and Northern Ireland
BandTaxable incomeRate
Personal Allowance£0 to £12,5700%
Basic Rate£12,571 to £50,27020%
Higher Rate£50,271 to £125,14040%
Additional Rateover £125,14045%
Scotland
BandTaxable incomeRate
Personal Allowance£0 to £12,5700%
Starter Rate£12,571 to £15,39719%
Basic Rate£15,398 to £27,49120%
Intermediate Rate£27,492 to £43,66221%
Higher Rate£43,663 to £75,00042%
Advanced Rate£75,001 to £125,14045%
Top Rateover £125,14048%

The Personal Allowance of £12,570 goes down by £1 for every £2 of income over £100,000.

Questions

How is income tax worked out?
Income above your Personal Allowance is taxed in bands: 20% basic rate, 40% higher rate and 45% additional rate in England, Wales and Northern Ireland. Scotland has its own bands. Allowable expenses and pension contributions can lower the tax due.
Can I use it if I am self-employed?
Yes. Enter your self-employed profit (income minus allowable business expenses) as part of your income. National Insurance is not included in this estimate.
Is the result exact?
No. It is an estimate based on the figures you enter. Your accountant confirms the final figures when preparing your tax return.
What if it shows I may have overpaid?
Tax that was overpaid is settled through your tax return. An accountant can check your records, prepare the return and file it with HMRC for you. You can also deal with HMRC directly for free at gov.uk.
When is the Self Assessment deadline?
Online returns for the previous tax year are due by 31 January. Paper returns are due by 31 October.

Get an accountant to file it

An ACCA accountant checks your figures, prepares your tax return and files it with HMRC. You approve it first.

Get startedor talk to us

From £99 + VAT. 37.5% + VAT of the tax relief we secure, minimum £99 + VAT. Nothing to pay upfront.