Kanabar Financial · UK tax return estimator
See the bill before the deadline.
Estimate Income Tax, Class 4 National Insurance, student loans and your likely January and July Self Assessment payments.
Calculations stay on your device01
Your figures
Income for the yearUse taxable figures
Gross pay on your P60
Profit after allowable expenses
Taxable UK property profit
State and private pension income
Interest outside ISAs
Dividends outside ISAs
Reliefs and tax already paidPensions, PAYE and prior instalments
Enter £10,000 if you paid £8,000 net
PAYE and eligible CIS deductions
Both instalments for this tax year
Student and postgraduate loansOptional
Total shown on payslips or P60
Enter taxable profit, not turnover. The estimate assumes expenses, losses and allowances have already been dealt with in the profit figures you enter.
02
2026/27 · England, Wales & NIYour estimate
Estimated due 31 January 2028
£2,400.00Total tax-year liability£5,086.00
Taxable income£25,430.00
Personal Allowance£12,570.00
Detailed calculation
Total income£38,000.00
Personal Allowance−£12,570.00
Income Tax£5,086.00
Class 4 National Insurance£0.00
Student and postgraduate loans£0.00
Total tax-year liability£5,086.00
Tax and loan deductions at source−£3,486.00
Payments on account already made−£0.00
Balancing amount£1,600.00
First payment on account£800.00
2026/27 ratesUK main ratesClass 4 on sole-trader profitPayments on account included
Each new payment on account is £800.00, based on half the Income Tax and Class 4 amount not collected at source.
Built for sensible planning
Official rates in. Clear limits out.
Current and previous tax years
Personal Allowance taper, UK and Scottish non-savings bands, savings allowances and the dividend rates for the selected year.
Check official rates ↗Class 4 and annual loan thresholds
Class 4 uses sole-trader profit. Student and postgraduate loans use the annual Self Assessment basis and subtract repayments already deducted.
Check Class 4 rates ↗Balancing payment and instalments
Payments on account are estimated at 50% each, with the £1,000 and 80%-collected-at-source tests applied.
Check HMRC guidance ↗Important limits
Get help from Kanabar Financial Useful estimate, not a submitted return.
This version does not cover Capital Gains Tax, foreign income, partnerships, trusts, High Income Child Benefit Charge, residential finance-cost relief, trade losses, pension annual-allowance charges or every Class 1/Class 4 interaction.