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)
What is the State Pension Deferral Calculator? The State Pension Deferral Calculator helps you explore what happens if you delay claiming your State Pension. Instead of taking the pension as soon as you reach State Pension age, you can leave it unclaimed for a period. Depending on the rules that…
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Retirement Tax Planning Calculator (UK)
What is the Retirement Tax Planning Calculator? The Retirement Tax Planning Calculator helps you see how mixing different pots can change the tax you pay once you start drawing. State Pension and a final-salary pension already use your tax-free allowance. The usual 25% tax-free share of a pension pot, money…
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Emergency Tax Calculator (UK)
What is the Emergency Tax Calculator? The Emergency Tax Calculator is a simple tool that shows the impact of emergency tax on a first pension withdrawal. When a provider has no tax code for you, they often tax that payment as if it were one month of a repeating salary.…
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Someday Tax Calculator (UK)
What is the Someday Tax Calculator? The Someday Tax Calculator helps you work out which trips and experiences may be worth doing sooner rather than leaving everything until retirement. It looks at your age, stop-work age, trip list, costs and the energy each experience may need. The calculator then separates…
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Couples’ Retirement Tax Splitter Calculator (UK)
What is the Couples Retirement Drawdown Calculator? The Couples Retirement Drawdown Calculator helps retired couples explore how to split household withdrawals across each partner’s pensions, ISAs, General Investment Accounts and cash. It starts with the household spending target for this year, then estimates where the money could come from, the…
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Salary Sacrifice Pension Calculator (UK)
What is the Salary Sacrifice Pension Calculator? The Salary Sacrifice Pension Calculator helps you estimate how much extra pension sacrifice could cost from take-home pay, how much extra could reach your pension, and whether it could bring your retirement target closer. It is designed for UK employees who are thinking…
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Pension Drawdown Tax Calculator (UK)
What is the Pension Drawdown Tax Calculator? The Pension Drawdown Tax Calculator helps you estimate how pension withdrawals may translate into taxable income, net income, and remaining pot value during retirement. It is designed for people already retired or already drawing from a pension, especially those using flexi-access drawdown or…
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Crypto Tax Record-Keeping & CARF Readiness Calculator (UK)
What is the Crypto Tax Record-Keeping & CARF Readiness Calculator? The Crypto Tax Record-Keeping & CARF Readiness Calculator helps UK crypto investors assess whether their records are organised well enough for Self Assessment reporting and future Crypto Asset Reporting Framework (CARF) requirements. Rather than calculating tax, the calculator focuses on…
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Tax-Year End Allowance Optimiser Calculator (UK)
What is the Tax-Year End Allowance Optimiser? The Tax-Year End Allowance Optimiser helps you see which UK tax allowances you may still have available before the tax year ends on the 5th of April. It brings together ISAs, pensions, Capital Gains Tax allowances, dividend income, savings interest, and other common…
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Capital Gains Harvesting / Bed-and-ISA Calculator (UK)
What is the Capital Gains Harvesting / Bed-and-ISA Calculator? The Capital Gains Harvesting / Bed-and-ISA Calculator helps UK investors understand how much of a taxable investment portfolio could potentially be sold, re-wrapped into an ISA, and managed within Capital Gains Tax allowances. It is designed for people with investments held…
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Buy, Borrow, Die Calculator (UK)
What is the Buy / Borrow / Die Calculator? The Buy / Borrow / Die Calculator is an illustrative UK planning tool that compares two ways of funding yearly spending from an investment portfolio. One path models borrowing against investments while allowing the portfolio to continue growing. The other models…
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Pension Tax Relief Calculator (UK)
What is the Pension Tax Relief Calculator? The Pension Tax Relief Calculator helps you compare the real cost and long-term impact of the three main ways to contribute to a pension: Relief at Source, Net Pay, and Salary Sacrifice. It takes what is often a confusing tax topic and turns…
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GIA vs ISA vs Pension Comparison Calculator (UK)
What is the GIA vs ISA vs Pension Comparison Calculator? The GIA vs ISA vs Pension Comparison Calculator helps you compare three common UK investment wrappers using the same annual saving habit: a general investment account, a Stocks & Shares ISA, and a pension. It is designed to show how…
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Retire Abroad Tax Impact Calculator (UK)
What is the Retire Abroad Tax Impact Calculator? The Retire Abroad Tax Impact Calculator helps UK residents compare how retirement tax outcomes may differ across countries. It models your pensions, investments and spending year by year to show how income tax, capital gains tax, wealth taxes and ISA treatment could…
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SIPP Contribution Calculator (UK)
What is the SIPP Contribution Calculator? The SIPP Contribution Calculator helps you calculate your Self-Invested Personal Pension (SIPP) contributions and optimise your tax relief. It shows how much tax relief you’ll receive, tracks your annual allowance usage (£60,000), and projects your pot growth to retirement. The calculator accounts for basic…
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Retirement Withdrawal Strategy Calculator (UK)
What is the Retirement Withdrawal Strategy Calculator? The Retirement Withdrawal Strategy Calculator helps you plan the optimal withdrawal sequence from your different retirement account types (ISAs, pensions, taxable accounts) to minimise tax and maximise efficiency. It shows you exactly how much to withdraw from each account type to meet your…
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Inheriting a Property Tax Calculator (UK)
What is the Inheriting Property Tax Consequences Calculator? The Inheriting Property Tax Consequences Calculator helps you understand the potential tax implications of inheriting a property in the UK. It shows how Inheritance Tax, Capital Gains Tax and rental income tax may apply, so you can make informed decisions about keeping,…
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Pension vs ISA Comparison Calculator (UK)
What is the Pension vs ISA Comparison Calculator? The Pension vs ISA Comparison Calculator helps UK savers compare the long-term outcomes of investing through a pension versus an ISA. It shows how tax relief, growth, withdrawals and access rules affect how much money you can actually spend in retirement. How…
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Marginal Tax Rate Calculator (UK)
What is the Marginal Tax Rate Calculator? The Marginal Tax Rate Calculator helps you understand how much tax you really pay on your next pound of income. It goes beyond headline income tax rates to include National Insurance, Student Loan repayments, Child Benefit charges and childcare support cliffs, showing your…
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High Income Child Benefit Charge (HICBC) Calculator
What is the High Income Child Benefit Charge (HICBC) Calculator? The High Income Child Benefit Charge Calculator helps UK families understand how much Child Benefit they may have to repay when household income exceeds the HICBC threshold. It shows who is liable, how much of the benefit is lost, and…
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Downsizing vs Passing Home to Children Calculator
What is the Downsizing vs Passing Home to Children Calculator? The Downsizing vs Passing Home to Children Calculator helps UK homeowners compare whether it is financially better to downsize and gift equity to their children during life, or keep the family home and pass it on later through inheritance. It…
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25% Tax Free Lump Sum Calculator
What is the 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. It shows the maximum available 25 per cent, how much of your allowance you have…
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Buy-to-Let Retirement Income Calculator
What is the Buy-to-Let Retirement Income Calculator? The Buy-to-Let Retirement Income Calculator helps you understand how much annual retirement income your rental property or portfolio can realistically provide. By modelling your rents, costs, voids, mortgage payments and tax, you can see what net income your properties will deliver in retirement…
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Pension Carry Forward & Annual Allowance Calculator (UK Specific)
What is the Pension Carry Forward & Annual Allowance Calculator? The Pension Carry Forward & Annual Allowance Calculator helps you understand how much you can contribute to your pension today by combining your annual allowance with any unused allowances from the previous three tax years. It shows your total available…
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Inheritance & Gifting Calculator (UK Specific)
A calculator to forecast how Inheritance & gifting can impact your own retirement & taxation. The Inheritance & Gifting Calculator shows how future inheritances and planned lifetime gifts may affect your retirement timeline and potential UK inheritance tax. By combining your current savings, investment pots, expected gifts and future inheritance…
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Sell vs Keep Your BTL(s) In Retirement Calculator
What is the Sell or Keep your BTL calculator? The Sell vs Keep Your BTL(s) In Retirement Calculator helps you compare the long-term income you could receive from selling your rental properties today versus keeping them for rental income and selling later. It highlights the sustainable income each option can…
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Retirement Drawdown Planner (UK)
Have you planned how you will draw down your money in retirement? The Retirement Drawdown Planner helps you model how your cash, pensions, ISAs and investments can support you throughout retirement. It shows how long your money can last based on your spending, income sources, real returns and the order…