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2026/27 tax year

UK tax & finance guides

Understand the numbers before you use the calculators. Every guide uses real 2026/27 figures, worked examples, and plain English — no jargon, no sign-up.

Tax planning guides

The £100k tax trap
60% effective rate explained
 Pension contributions & tax
20%, 40% and 45% relief
 Reduce income tax legally
All main planning levers
 Child Benefit tax charge
£60k–£80k taper
 Salary vs dividends
Director extraction guide
 Dividend tax rates
Rates, bands & stacking

Business & company tax

Corporation tax UK
Rates, marginal relief & CT planning
 Salary vs dividends
Optimal director structure
 Capital gains tax
Rates, exempt amount & planning
 Stamp duty (SDLT)
Rates, FTB relief, surcharges

Salary after tax — by income level

£30,000 after tax
£25,120 / £2,093/mo
 £40,000 after tax
£32,320 / £2,693/mo
 £50,000 after tax
£39,520 / £3,293/mo
 £60,000 after tax
£44,920 / £3,743/mo
 £70,000 after tax
£50,920 / £4,243/mo
 £80,000 after tax
£56,920 / £4,743/mo
 £90,000 after tax
£62,920 / £5,243/mo
 £100,000 after tax
£68,557 — taper starts
 £110,000 after tax
£73,357 — trap zone
 £120,000 after tax
£78,157 — trap zone
 £125,000 after tax
£80,514 — near top of trap
 £130,000 after tax
£83,600 — additional rate
 £150,000 after tax
£92,600 — additional rate
 £200,000 after tax
£120,300 — additional rate
 All salary levels →
140k, 160k, 170k, 180k, 190k

Dividend income tax — by amount

£10,000 dividends
Tax on £10k dividend income
 £20,000 dividends
Tax on £20k dividend income
 £30,000 dividends
Tax on £30k dividend income
 £50,000 dividends
Tax on £50k dividend income
 £75,000 dividends
Tax on £75k dividend income
 £100,000 dividends
Tax on £100k dividend income
 £125,000 dividends
Tax on £125k dividend income
 £150,000 dividends
Tax on £150k dividend income
 £200,000 dividends
Tax on £200k dividend income

Mortgage guides

Overpay vs invest
Break-even analysis
 Overpayment calculator
Model term & interest saved

What changed for 2026/27

Employer NI rose to 15%, the SDLT first-time buyer threshold changed, and several thresholds were adjusted. See the full summary:

What's new for 2026/27 →