Tapered Annual Allowance Calculator
Am I tapered? Work out threshold income, adjusted income, your tapered allowance and carry forward. 2026/27 rules.
Open Tool →State Pension Top-up Calculator
Is buying missing NI years worth it? Cost-benefit analysis with breakeven, lifetime projection, and deadline tracking.
Open Tool →Pension Lump Sum Tax Calculator
See how much tax you will pay on a pension lump sum. PCLS, UFPLS, DB commutation, emergency tax, multi-year comparison.
Open Tool →The Real Cost of Living
UK inflation (CPI, CPIH, RPI) and real wages from 2000 to today. Live ONS data, updated monthly.
Open Tool →Inheritance Tax Planner
Project your estate liability. Includes 2027 Pension Pot Raid rules.
Open Tool →Property CGT Calculator
Calculate Capital Gains Tax on BTL or Second Home sales. 2025 Rates.
Open Tool →Self-Employed Tax Calculator
Estimate your 2026/27 Income Tax & NI. Supports Class 2/4 updates.
Open Tool →Professional-Grade Financial Modeling for Individuals
Tax planning in the UK is becoming increasingly complex. From the "Fiscal Drag" pulling millions into higher brackets to the nuanced reporting rules for Capital Gains Tax on property, the margin for error is shrinking. UKFinanceTools was built to solve a specific problem: the lack of private, high-fidelity modeling tools for individual taxpayers and small business owners.
Privacy by Design
We operate on a "Glass Box" philosophy. Unlike other free tools, our calculators execute locally in your browser using JavaScript. We do not transmit your salary, property value, or portfolio details to a backend database. Your financial data never leaves your device.
Legislative Accuracy
Our tax engines are calibrated for the 2026/27 tax year, with 2025/26 retained for Self-Assessment filing. We actively monitor the Autumn Statement and Spring Budget to ensure thresholds, allowances, and rates (like the 18%/24% CGT bands and the new 10.75%/35.75% dividend rates) are precise.
The Ecosystem Strategy
A calculator gives you a number; a strategy gives you a direction. We link every tool to a contextual "Deep Dive" guide. Whether you are calculating the impact of the High Income Child Benefit Charge or planning a Section 104 Share Pool disposal, our guides provide the legislative context you need to interpret the results.
Disclaimer: These tools are designed for estimation and scenario planning. They do not constitute regulated financial advice. Always consult a qualified accountant or IFA before making significant financial decisions.