Important: These are estimates based on published HMRC and OBR rates for 2025/26. They do not constitute financial, tax or legal advice. Britain Needs Us is not regulated by the FCA. For personal tax advice, consult a qualified accountant or visit gov.uk.
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Your total employment income before tax. This is the only field needed for a free headline estimate.
Additional income sources below — all free
Your net profit after allowable business costs. If you have costs to claim, expand the allowances block below.
Total annual rental income before the £1,000 property allowance.
The first £500 is tax-free (dividend allowance 2025/26).
Personal Savings Allowance: £1,000 (basic rate) or £500 (higher rate).
The full new state pension is £221.20/week (£11,502.40/year) from April 2025.
GENUINELY TAX-FREE — not included in your taxable income. Up to 25% of your pension pot.
THIS IS ADDED TO YOUR INCOME — taxed at your marginal rate.
The tax bomb most people miss: Drawing large pension amounts pushes you into 40% or the 60% effective rate band (£100k–£125,140 where you lose your personal allowance). Plan drawdown carefully.
Self-Employment Allowances
These reduce your taxable self-employment profit. All rates from HMRC simplified expenses and allowable deductions.
HMRC simplified expenses for WFH.
45p/mile first 10,000 then 25p/mile.
Laptops, software, professional tools.
Enter % of your annual broadband bill used for work. E.g. 50 for £300 bill = £150 claim.
Enter % of annual phone bill used for business.
Trade journals, HMRC-approved professional bodies.
Must be for your current trade. Not for a new skill/career.
Accountancy fees, stationery, postage, etc.
Total allowances: £0/year — reducing your taxable SE profit
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Full income breakdown
Create a free account to save your results. Every income source including self-employment, rental, dividends, savings, pension drawdown, plus SE allowances and personalised savings.
One-off tax events this tax year. These are shown separately from your annual rate. Toggle any that apply.
Sold a property (not main home)
Solicitor, estate agent, stamp duty on purchase.
Extensions, conversions. Not decoration or repairs.
Sold a business
14% rate (2025/26) on qualifying gains up to £1m lifetime limit.
Pension lump sum / large drawdown
Tax-free. Up to 25% of your crystallised pot.
Added to your income. May push you into higher bands.
If yes, you may be owed a refund via P55 or P53.
Redundancy above £30,000
The first £30,000 is tax-free. Anything above is taxed as income. Source: HMRC.
Sold main home (partially exempt)
Private Residence Relief exempts the proportion lived in + last 9 months. Only the non-exempt portion is taxable.
Received an inheritance
No tax to pay as the recipient. Inheritance tax is paid by the estate before distribution. However, any income or gains you subsequently earn from inherited assets (rent, dividends, interest, sale proceeds) are taxable in the normal way. If you inherit a property and sell it, see "Sold a property" above.
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Life event tax analysis
Create a free account to save your results. See CGT calculations, pension combined income impact, redundancy tax, and personalised saving tips for every life event.
Every figure sourced from HMRC and OBR published data · Not financial advice
Enter your salary and click Calculate to see your results.
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