Every calculator uses deterministic, band-by-band maths based on HMRC's published rates — not black-box estimates. See exactly where your numbers come from, then use the guides to understand what they mean.
Why the £100,000–£125,140 band carries a ~60% effective rate — with full worked examples, marginal rate charts, and pension strategies.
🏢 Director planning Salary vs Dividends UKHow to combine salary, dividends, pension and corporation tax as a limited company director — with real examples for common extraction levels.
💰 Pension planning How Pension Contributions Reduce TaxThe mechanics of relief at source, salary sacrifice, and why pensions are especially powerful in the trap zone. Examples at every band.
🏠 Property & investing Mortgage Overpayment vs InvestingBreak-even analysis, a step-by-step decision framework, and worked examples to help you decide what to do with spare cash.
👨👩👧 Family finances Child Benefit High Income ChargeHow the £60k–£80k taper works, why you should still claim even if you pay the charge, and how to reduce it with pensions.
📊 Dividend tax Dividend Tax UK 2026/27Current rates, the £500 allowance, stacking rules with salary, and what changed from 2025/26.
Employer NI rate, SDLT first-time buyer thresholds, Child Benefit rates — all the key changes summarised in one place.
Salary-specific guides with full band-by-band breakdowns for common UK income levels.
Model salary, dividends, pension and corporation tax as a combined structure — not in isolation.
Most UK tax calculators give you a single number with no explanation. Sterling Calculators shows the band-by-band working so you understand where your tax comes from — not just a black-box answer. Built for people who want to plan intelligently.
Band-by-band maths using HMRC's published thresholds. No rounding tricks or hidden assumptions.
All rates and thresholds updated each April. Every page shows which tax year its figures cover.
All calculators work instantly in your browser. No account, no email, no tracking.
Results are estimates for planning. For decisions involving significant money, consult a qualified adviser.