UK tax calculators, current-year reference pages, investing research and practical money guides for UK households. Free to use, with figures for the 2026/27 tax year.
UK Tax Drag is a free, independent reference site for UK tax and household money. It explains how Income Tax, National Insurance, pensions, ISAs, Child Benefit and Stamp Duty work in the 2026/27 tax year, and its calculators let you apply those rules to your own numbers. The name comes from fiscal drag: when tax thresholds stay frozen while wages rise, more income is taxed and more people move into higher bands, with no change to the headline rates. The Fiscal Drag Tracker puts a figure on it.
It is written for people who want to understand a money decision before they make it: employees checking a pay rise, a bonus or a pension contribution; parents near the Child Benefit charge threshold; sole traders and company directors; first-time buyers; and savers weighing an ISA against a pension. The guides aim to set out the rule, work through an example and say where the rule stops, so that you can tell when a situation needs a qualified adviser rather than a web page.
Figures come from primary sources: GOV.UK, HMRC's manuals and published rates, legislation.gov.uk, the Bank of England, Ofgem and the FCA, and pages link to those sources so that you can check a number yourself. The byline at the top of each page gives the date the Editor last reviewed it. Pages are drafted, edited and coded with the help of AI tools (how AI is used), and the Editor reviews each change before it is published; affected pages are rechecked after each Budget and at the start of each tax year. The calculators with the most rules behind them also have automated test cases that are checked before each update. When something is found to be wrong, the correction is listed in the changelog.
UK Tax Drag is published by Finsolve Consulting Limited, a company registered in England and Wales (company number 15562432), which is responsible for its content. The pages are written and edited by the Editor, a CIMA-qualified Chartered Management Accountant with more than ten years in corporate finance, who signs off each change after checking it against the sources above. The site gives general information, not personal financial or tax advice. It is set up to be funded by display advertising from Google; until ads run, the publisher meets the running costs, as how we make money explains. The house style is “beautifully boring”: the job is to explain the system, not to sell you anything.
Start with the card that matches the decision you are making: pay and family thresholds, investing and pensions, or everyday bills and debt.
Start here if your question is about take-home pay, salary sacrifice, Child Benefit clawback, childcare, redundancy, home-buying or the general tax friction in your household.
Start here if the real question is portfolio structure, ETF selection, pension versus ISA trade-offs, or how tax changes the investment decision rather than the market view alone.
Start here if the pressure is month to month: a budget that holds, debts paid in the right order, cheaper bills, and what to do when a bank transfer scam leaves you out of pocket.
Calculators for take-home pay, pensions, buying a home, student loans, company cars and paying yourself from a company.
Recent work on the site, starting with the options section, rewritten on 28 September 2026.
Options strategies worked in pounds on UK and US contracts, in course order, with the UK tax treatment of each outcome and the risks set out first.
How salary sacrifice compares with relief at source and net pay for pension contributions in 2026/27, with a worked example and the cases where it causes problems.
Tax on £30,000 to £150,000 of profit compared for 2026/27, plus IR35 and the extra admin that comes with running a company.
The Child Benefit charge, the 60% trap, the additional rate and the tapered pension annual allowance, and how pension contributions lower adjusted net income.
£760 a year more Income Tax in 2026/27 for a basic-rate taxpayer earning over £16,370, compared with 2020/21 thresholds uprated by CPI. Free to reuse under CC BY 4.0.
Who the bank transfer scam reimbursement rules cover, what to do in the first hour, how banks decide claims and how to escalate a refusal.
Pages are checked against the primary sources listed on each page and reviewed by the Editor; corrections are logged in the changelog. No affiliate revenue. No sponsored content. No paid placements.
UK Tax Drag is an independent publication by Finsolve Consulting Limited, not affiliated with or endorsed by HMRC, GOV.UK or any government body.