Separate Scottish rates
Switch between Scotland’s six bands and the main bands used elsewhere in the UK.
2026–27 ratesAll four UK nationsPrivate on your device
Free UK Tax Refund Calculator
Estimate your PAYE refund or amount owing, with Income Tax, National Insurance, pensions and student loans explained separately.
Your 2026–27 estimate
Enter your UK tax details
Private: calculations happen on this device and are not saved.
Estimated filing result
Enter income and PAYE tax to see an estimate.
Your breakdown
Total income entered£0
Deductions entered£0
Personal Allowance£12,570
Taxable income£0
Estimated Income Tax£0
Employee National Insurance£0
Self-employed National Insurance£0
Student-loan repayments£0
Total tax and deductions£0
Estimated take-home income£0
After-tax income£0 (0%)
Income Tax£0 (0%)
National Insurance£0 (0%)
Student loan£0 (0%)
Average deduction rate
0.00%
Tax year
2026–27
Understand the numbers
UK tax guides and worked examples
Learn what to enter, what each deduction means and why HMRC’s final calculation can differ.
Estimate a UK tax refund
Learn how to estimate a UK PAYE refund using gross pay, tax deducted, allowable reliefs and your P60, with a clear worked example.
Read guide →
Self Assessment tax bill
Understand how a UK Self Assessment bill is built from taxable profit, Income Tax, National Insurance and payments on account.
Read 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.
Read guide →
Student-loan repayments
Compare UK Student Loan Plans 1, 2, 4 and 5 plus postgraduate loans, with 2026–27 thresholds and calculation examples.
Read guide →
Built for clarity
A transparent UK refund estimate
Allowance taper shown
See the Personal Allowance reduce when adjusted net income exceeds £100,000.
Loans explained
Compare Plan 1, 2, 4 or 5 and add a postgraduate loan.
No sales funnel
No account, email, referral or uploaded payslip is required.
How the UK tax refund estimate works
For 6 April 2026 to 5 April 2027, the calculator combines your employment, self-employment and other non-savings income. It subtracts entered pension contributions and eligible deductions, applies the Personal Allowance and calculates progressive Income Tax. The standard Personal Allowance is £12,570 and reduces by £1 for every £2 of adjusted net income above £100,000.
England, Wales and Northern Ireland use the main 20%, 40% and 45% rates. Scotland uses separate starter, basic, intermediate, higher, advanced and top bands. The calculator also estimates employee Class 1 and self-employed Class 4 National Insurance.
Worked UK tax examples
Example: possible PAYE refund
If your P60 shows £9,200 of PAYE tax but estimated Income Tax is £8,450, the indicative refund is £750, assuming no Class 4 amount is due.
Example: possible amount owing
If £6,000 was deducted but Income Tax and Class 4 total £7,100, the estimated balance is £1,100 owing.
Example: pension contribution
If you paid £800 and a relief-at-source provider added £200, enter the £1,000 gross contribution.
Example: Plan 2 loan
At £35,000 of repayment income, the simplified estimate is 9% of the amount over the £29,385 threshold.
Important limitations
This is an educational estimate, not a Self Assessment return or HMRC calculation. It does not calculate savings and dividend bands, capital gains, High Income Child Benefit Charge, Marriage Allowance, benefits in kind, tax-code adjustments, multiple payroll periods or every pension-relief method.
Official sources used
Frequently asked questions
Is this UK tax refund calculator free?+
Yes. It is free, requires no account and calculates locally in your browser.
Does it use Scotland’s separate rates?+
Yes. Select Scotland to use its 2026–27 starter, basic, intermediate, higher, advanced and top bands.
Is National Insurance included in the refund?+
Employee Class 1 National Insurance is shown for take-home planning but is not subtracted from the PAYE Income Tax refund. Estimated Class 4 National Insurance is included.
Why might HMRC calculate a different amount?+
Your tax code, benefits, savings, dividends, capital gains, Marriage Allowance, multiple jobs and pay-period calculations can change the result.