Calculate how much tax you owe on your savings interest, taking into account your Personal Savings Allowance and starting rate.
Enter your non-savings income
Your salary, pension, or self-employment income before savings interest. This determines your tax band and which allowances apply.
Enter your gross savings interest
The total interest received before any tax from all your bank accounts, savings accounts, and bonds (not ISAs).
See your savings tax position
The calculator shows your Personal Savings Allowance, starting rate band (if applicable), and any tax due.
What happens after you submit your Self Assessment return — refunds, balancing payments, amendments, HMRC enquiries, the SA302 for mortgages, and the 5-year record-keeping rule
Making Tax Digital for Income Tax (MTD ITSA) starts April 2026 for £50k+ self-employed and landlords. Here's what it means, when it applies to you, the software requirements and how it changes Self Assessment forever.
How HMRC's payments-on-account system works, why your first January bill is bigger than expected, when to reduce them, and the trap of treating January and July as separate
Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.
