Tax Optimisation Calculators
Explore how to use ISAs, pensions and efficient wrappers so you keep more of your returns. These tools highlight the long term impact of fees, allowances and tax planning.
💼UK Tax Efficiency
UK tax rules offer various allowances and tax-efficient wrappers to help you keep more of your investment returns. These calculators help you understand ISA limits, pension tax relief, dividend and capital gains allowances, and how to structure your investments for maximum tax efficiency.
📊How these calculators help
Our Tax Optimisation calculators model the long-term impact of tax planning strategies. They help you compare ISAs versus SIPPs versus GIAs, maximise allowances, understand the High Income Child Benefit Charge, and see how tax-efficient investing accelerates your retirement timeline.
Start with these popular calculators
These tools are the best starting point for understanding your tax position. They help you compare tax-efficient wrappers, understand allowances, and see how tax planning affects your retirement timeline.
Marginal Tax Rate Calculator
See what you actually pay on the next pound, including National Insurance and the usual cliffs.
Pension vs ISA Comparison Calculator
Tax relief going in versus access and tax coming out. Pick which wrapper to fill first.
Pension Tax Relief Calculator
Relief at source, net pay or salary sacrifice. Same contribution, different cost to you.
Tax-Year End Allowance Optimiser
ISA, pension, dividend and CGT allowances still unused before 5 April.
High Income Child Benefit Charge Calculator
If you claim Child Benefit, see whether the charge applies and whether pension contributions reduce it.
Pension Drawdown Tax Calculator
What a withdrawal does to your tax bill once you start taking money out.
All Tax Optimisation calculators
Browse all Tax Optimisation calculators. These tools help you understand UK tax rules, compare tax-efficient investment wrappers, maximise allowances, and see how tax planning affects your retirement timeline.
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Pension vs ISA Withdrawal Calculator (UK)
See how much of an extra amount you keep in retirement after income tax and the Winter Fuel Payment, and which pot to take it from.
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State Pension Deferral Calculator (UK)
Compare claiming your State Pension straight away with waiting, and see when waiting pays back.
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Retirement Tax Planning Calculator (UK)
See how mixing pensions, ISAs and other pots can change take-home, tax and leftover pots over five years.
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Emergency Tax Calculator (UK)
See the impact of emergency tax on a first pension withdrawal, and how much of the extra may come back.
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Someday Tax Calculator (UK)
Work out which trips get harder if you wait until you stop work.
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Couples’ Retirement Tax Splitter Calculator (UK)
Explore how to split household withdrawals across each partner’s assets in a tax-efficient way.
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Salary Sacrifice Pension Calculator (UK)
Estimate how much extra salary sacrifice could cost from take-home pay, and how much extra could reach your pension.
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Pension Drawdown Tax Calculator (UK)
See how pension withdrawals may translate into taxable income, net income, and remaining value during retirement.
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Crypto Tax Record-Keeping & CARF Readiness Calculator (UK)
Check whether your crypto records are organised well enough for Self Assessment.
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Tax-Year End Allowance Optimiser Calculator (UK)
See which UK tax allowances you may still have available before the tax year ends on the 5th of April.
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Capital Gains Harvesting / Bed-and-ISA Calculator (UK)
See how much of a taxable investment portfolio could be sold, re-wrapped into an ISA and kept within Capital Gains Tax allowances.
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Buy, Borrow, Die Calculator (UK)
Compare borrowing against investments with selling investments over time to fund spending.
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Pension Tax Relief Calculator (UK)
Compare the real cost and long-term impact of the three main ways to contribute to a pension.
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GIA vs ISA vs Pension Comparison Calculator (UK)
Compare three common UK investment wrappers using the same annual saving habit.
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Retire Abroad Tax Impact Calculator (UK)
Compare how retirement tax outcomes may differ across countries.
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SIPP Contribution Calculator (UK)
Calculate your Self-Invested Personal Pension (SIPP) contributions and optimise your tax relief.
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Retirement Withdrawal Strategy Calculator (UK)
Plan the optimal withdrawal sequence from your different retirement account types.
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Inheriting a Property Tax Calculator (UK)
Understand the potential tax implications of inheriting a property in the UK.
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Pension vs ISA Comparison Calculator (UK)
Compare the long-term outcomes of investing through a pension versus an ISA.
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Marginal Tax Rate Calculator (UK)
Understand how much tax you really pay on your next pound of income. See your true effective marginal rate.
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High Income Child Benefit Charge (HICBC) Calculator
Work out how much Child Benefit you must repay when your income goes over the threshold.
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Downsizing vs Passing Home to Children Calculator
Compare whether it is financially better to downsize and gift equity now, or pass your home on later.
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25% Tax Free Lump Sum Calculator
The 25% Tax Free Lump Sum Calculator helps you estimate how much tax-free cash you can take from your UK pension under current Lump Sum Allowance rules.
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Buy-to-Let Retirement Income Calculator
Understand how much annual retirement income your rental property or portfolio can realistically provide.
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Pension Carry Forward & Annual Allowance Calculator (UK Specific)
See how much you can pay into your pension this year, including unused allowance from the previous three tax years.
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Inheritance & Gifting Calculator (UK Specific)
The Inheritance and Gifting Calculator shows how future inheritances and planned lifetime gifts may affect your retirement timeline and potential UK inheritance tax.
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Sell vs Keep Your BTL(s) In Retirement Calculator
Compare the long-term income you could receive from selling your rental properties today versus keeping them for rental income and selling later.
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Retirement Drawdown Planner (UK)
The Retirement Drawdown Planner helps you model how your cash, pensions, ISAs and investments can support you throughout retirement.