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UK Tax Tools
Estimate your take-home pay, VAT, self-employed tax and dividends — 2025/26 rates.
2025/26
Income Tax
VAT
Self-Employed
Dividend
Gross annual salary
£
Pension contribution (% of gross)
%
Student loan plan
None
Plan 1
Plan 2
Plan 4 (Scotland)
Plan 5
Postgraduate
Take-home (yearly)
£0
£0 / month
Gross
£0
Personal allowance
£12,570
Income tax
−£0
National Insurance
−£0
Student loan
−£0
Pension contribution
−£0
Effective tax rate
0%
Add VAT (Net → Gross)
Remove VAT (Gross → Net)
Net amount
£
VAT rate
Standard — 20%
Reduced — 5%
Zero-rated — 0%
Gross (incl. VAT)
£0.00
Net (excl. VAT)
£0.00
VAT amount
£0.00
Gross (incl. VAT)
£0.00
VAT rate
20%
Annual turnover
£
Allowable expenses
£
Pay voluntary Class 2 NIC (£3.45/week)
Net take-home
£0
£0 / month
Profit (turnover − expenses)
£0
Income tax
−£0
Class 4 NIC
−£0
Class 2 NIC
−£0
Effective tax rate
0%
Salary (PAYE)
£
Dividends received
£
Net take-home
£0
£0 / month
Salary after PAYE tax + NI
£0
Dividend allowance used
£500
Dividend tax (ordinary 8.75%)
−£0
Dividend tax (upper 33.75%)
−£0
Dividend tax (additional 39.35%)
−£0
Total dividend tax
−£0