— Free calculators · Tax year 2026/27 · No sign-up
Free UK pension, tax and bond calculators.
The calcs, free. The working, shown.
Every tool below runs the same engine and the same versioned tax-year config the signed-in suite uses — with the legislation and official-source citations on the page.
Your calculator inputs and results are not saved server-side. Sign in only when you want to rerun a calculation in a client workflow or create a supported export. How we verify the numbers.
— Quick route
Find the right calculator
Search by rule, acronym or the job you are doing. Popular opens with the highest-demand starting points.
6 popular starting points
- Tax planningSalary sacrifice pension calculatorSee take-home barely move while the pension jumps — income tax + NI saved, the employer-NI top-up if passed on, and the personal-allowance / child-benefit rescue.Open calculator →
- Lump sum allowancesLSA calculator — the lump sum allowance on tax-free cashRemaining LSA after prior crystallisations, what a planned PCLS consumes, and the excess (if any) taxed at marginal rate.Open calculator →
- Pension annual allowanceMoney purchase annual allowance (MPAA) calculatorThe £10,000 cap on money-purchase saving after flexible access, the default-vs-alternative chargeable-amount test, and the charge — run by the same engine as the signed-in product.Open calculator →
- Pension annual allowanceTapered annual allowance calculatorThreshold income, adjusted income, the £1-for-£2 reduction and the floor — the high-earner taper per PTM057100.Open calculator →
- Pension annual allowancePension carry forward calculatorUnused allowance from the three prior years, consumed oldest-first, with the statutory ordering shown — per PTM055100.Open calculator →
- Tax planningUK income tax calculatorIncome tax before HICBC, reconciled line by line across non-savings, savings and dividends — plus the rUK or Scottish marginal-rate map.Open calculator →
— Full directory
Every free calculator, grouped by planning task.
Every link stays in the page, so you can scan the full estate or move between a technical guide and the calculation it explains.
— Investment bonds
Read the Top-slicing relief guide →Top-slicing relief calculator
The five-step TSR computation with the Step-4 PSA recalc shown explicitly. The final figure is available only after confirming that no TAR is due.
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Chargeable event gain calculator
Raw gain before TAR, the 5% tax-deferred allowance position, and a three-route withdrawal comparator that requires confirmation that no TAR is due.
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Onshore bond tax calculator
The tax on this bond's gain after top-slicing relief and the deemed 20% basic-rate credit — available only after confirming that no TAR is due.
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Offshore bond tax calculator
The tax on this bond's gain after top-slicing relief with no basic-rate credit against the real liability — available only after confirming that no TAR is due.
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— Lump sum allowances
Read the Lump sum allowances guide →LSA calculator — the lump sum allowance on tax-free cash
Remaining LSA after prior crystallisations, what a planned PCLS consumes, and the excess (if any) taxed at marginal rate.
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LSDBA calculator — death benefit and serious ill-health lump sums
The £1,073,100 death-benefit-side allowance: what an SIH or death-benefit lump sum consumes and what remains.
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Transitional tax-free amount certificate (TTFAC) calculator
Default 25%-of-LTA deduction vs the actual-TFC evidence path, side by side — including the cases where a TTFAC makes things worse.
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— Pension annual allowance
Read the Pension annual allowance guide →Pension annual allowance calculator
The whole AA position on one screen — standard allowance, taper, MPAA interaction, carry-forward and the chargeable amount.
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Money purchase annual allowance (MPAA) calculator
The £10,000 cap on money-purchase saving after flexible access, the default-vs-alternative chargeable-amount test, and the charge — run by the same engine as the signed-in product.
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Pension carry forward calculator
Unused allowance from the three prior years, consumed oldest-first, with the statutory ordering shown — per PTM055100.
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Tapered annual allowance calculator
Threshold income, adjusted income, the £1-for-£2 reduction and the floor — the high-earner taper per PTM057100.
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DB pension input amount calculator
Closing capital value minus the CPI-revalued opening value, 16× the pension only — the PTM053100 method, shown step by step.
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— Pension withdrawals
Read the Pension withdrawals guide →Pension withdrawal tax calculator
How much tax a pension withdrawal really costs — the 25/75 split, the marginal-rate working, and the £100k personal-allowance trap flagged when it bites.
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UFPLS calculator — uncrystallised funds pension lump sum
The 25/75 split of a UFPLS, the tax on the taxable element, the lump sum allowance it consumes — and the MPAA it triggers on first payment.
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Emergency tax on pension withdrawals calculator
What the emergency 1257L M1 code deducts from a first pension payment, what the year actually owes — and whether P55, P53Z or P50Z claims it back.
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Pension recycling rules checker
The tax-free-cash recycling conditions tested one by one — the £7,500 trigger, the 30% test, and the 40% charge on the whole PCLS if every limb is met.
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— Tax planning
Read the Pensions, IHT & death benefits guide →Pension IHT (April 2027)
Compare the inheritance-tax position before the pension change and from 6 April 2027.
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The £100k / 60% tax trap calculator
Set a target adjusted net income; see the additional pension contribution and the modelled tax, Child Benefit and user-entered childcare-support effects.
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UK income tax calculator
Income tax before HICBC, reconciled line by line across non-savings, savings and dividends — plus the rUK or Scottish marginal-rate map.
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High income child benefit charge (HICBC) calculator
The HICBC clawback between £60k and £80k for 2024/25 onward — your charge, the Child Benefit used and what you retain.
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Adjusted net income calculator
The figure behind the personal-allowance taper, the child benefit charge and the £100k childcare cliff — built from your income and deductions.
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Salary sacrifice pension calculator
See take-home barely move while the pension jumps — income tax + NI saved, the employer-NI top-up if passed on, and the personal-allowance / child-benefit rescue.
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Pension vs ISA tax comparison calculator
Relief in versus tax out for a pension, next to the ISA, GIA and bond wrappers — compared on tax alone, with the numbers shown and no recommendation made.
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— The full workbenches
Bond chargeable event + top-slicing — full workbench
Everything the quick tools above leave out: chargeable-event certificate extraction, multi-gain years, the final-year rule and trustee cases — sign in free to run it.
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Pension annual allowance — full workbench
Standard, tapered and money-purchase annual allowance with three-year carry-forward on one screen, including contribution history and statement extraction — sign in free to run it.
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— When you're ready
Save supported calculations to a client workflow and create a branded export.
Free plan: 3 calcs / month · no card required · cancel any time. Unlimited on Pro and Firm.