England
Main UK Income Tax bands
2026–27 UK tax guides
Understand your UK tax before you claim
Practical explanations, worked examples and official HMRC sources for PAYE refunds, Self Assessment, pensions and student loans.
Estimate your UK refund free →UK coverage
Available for all four UK countries
Scotland
Separate Scottish Income Tax bands
Wales
Main UK Income Tax bands
Northern Ireland
Main UK Income Tax bands
The calculator also treats National Insurance and student-loan repayments separately. Select your UK country before reviewing an estimate.
PAYE refund basics
Estimate a UK tax refund
Estimate a UK PAYE refund from P60 pay and tax figures, enter multiple jobs correctly, and understand what the ToolsFA calculator includes and excludes.
11 min readRead guide →
Self-employed tax guide
Self Assessment tax bill
Estimate a UK Self Assessment bill from taxable profit, PAYE, Class 4 National Insurance and payments on account, including 2026 Making Tax Digital duties.
14 min readRead guide →
Pension contribution guide
Pension tax relief explained
Compare net pay and relief-at-source pensions, understand gross contributions and see when higher-rate pension relief may affect a UK refund.
10 min readRead guide →
Graduate repayment guide
Student-loan repayments
Compare 2026–27 UK student-loan plans, estimate Plan 2 plus postgraduate repayments, and separate loan deductions from an Income Tax refund.
10 min readRead guide →