# CalcHub.uk

> Free UK calculators for tax, mortgage, salary, savings and more — all updated for the 2025/26 tax year. UK-specific: separate handling for England, Wales, Northern Ireland and Scotland (Scottish Income Tax bands, LBTT, LTT). Calculations verified against HMRC reference data within ±£1.

CalcHub.uk is a UK-focused free calculator hub. Every tool uses centralised tax rates from `src/lib/taxRates/2025-26.ts` and pure calculation functions in `src/lib/calc/`. Source data comes from gov.uk, HMRC publications, Bank of England, ONS and FCA. No signup, no paywall, no ads-first UI.

## Core calculators

- [Income Tax Calculator](https://calchub.uk/calculators/income-tax/): UK Income Tax 2025/26 with toggle for England/Wales/NI vs Scotland (Scottish 6-band system).
- [Take-Home Pay Calculator](https://calchub.uk/calculators/take-home-pay/): Net salary after Income Tax, National Insurance, student loan and pension.
- [National Insurance Calculator](https://calchub.uk/calculators/national-insurance/): NI Class 1/2/3/4 for 2025/26, including April 2025 employer rate change to 15%.
- [Stamp Duty Calculator](https://calchub.uk/calculators/stamp-duty/): SDLT (England/NI), LBTT (Scotland incl. 8% ADS), LTT (Wales).
- [Mortgage Calculator](https://calchub.uk/calculators/mortgage/): UK mortgage repayments, interest-only vs repayment, overpayments.
- [VAT Calculator](https://calchub.uk/calculators/vat/): UK VAT at 20% standard / 5% reduced / 0% zero rate.
- [Pension Calculator](https://calchub.uk/calculators/pension/): UK pension projection with tax relief.
- [ISA Calculator](https://calchub.uk/calculators/isa/): ISA growth (£20,000 allowance 2025/26).

## Reference & guides

- [UK Tax Rates 2025/26](https://calchub.uk/uk-tax-rates/2025-26/): Comprehensive reference for all UK tax rates, thresholds and allowances.
- [National Insurance Explained](https://calchub.uk/guides/national-insurance-explained/): Class 1, 2, 3, 4 NI; thresholds; April 2025 employer NI changes.
- [Stamp Duty Explained](https://calchub.uk/guides/stamp-duty-explained/): SDLT, LBTT, LTT with worked examples for each UK nation.
- [First-Time Buyer in the UK](https://calchub.uk/guides/first-time-buyer-uk/): 10-step process, FTB SDLT relief, Lifetime ISA.

## Regional hubs

- [Scotland](https://calchub.uk/scotland/): Scottish Income Tax 6 bands (19/20/21/42/45/48%), LBTT incl. Additional Dwelling Supplement, Plan 4 student loan, Council Tax.
- [Wales](https://calchub.uk/wales/): Welsh Rate of Income Tax (WRIT), LTT (no first-time buyer relief), Welsh Council Tax bands A-I.
- [Northern Ireland](https://calchub.uk/northern-ireland/): Domestic Rates instead of Council Tax (capital-value system), 11 district councils.
- [London](https://calchub.uk/london/): 33 boroughs with Council Tax + GLA precept; ranges Westminster ~£973 to Croydon ~£2,381.
- [Manchester](https://calchub.uk/manchester/): 10 Greater Manchester boroughs with shared GMCA Police, Fire, Mayor precepts.
- [Birmingham](https://calchub.uk/birmingham/): 7 West Midlands boroughs; Birmingham exceptional 7.5% Council Tax rise after Section 114 notice.
- [Leeds](https://calchub.uk/leeds/): West Yorkshire metropolitan district; Band D ~£2,153 with WY Police + Fire precepts.
- [Liverpool](https://calchub.uk/liverpool/): Liverpool City Region combined authority; Band D ~£2,330 with Merseyside Police + Fire.
- [Glasgow](https://calchub.uk/glasgow/): Scotland's largest city; Scottish Income Tax 6-band, LBTT, Scottish 8-band Council Tax.
- [Bristol](https://calchub.uk/bristol/): South West unitary authority; West of England Combined Authority; Band D ~£2,403.
- [Edinburgh](https://calchub.uk/edinburgh/): Scotland's capital; Band D ~£1,545 after 8% rise; Scottish Income Tax.
- [Newcastle](https://calchub.uk/newcastle/): North East England; North East Combined Authority; Northumbria Police precept.
- [Sheffield](https://calchub.uk/sheffield/): South Yorkshire Mayoral Combined Authority; SY Police + Fire precepts.

## Answers (long-tail Q&A)

CalcHub.uk has 337 structured Q&A pages at /answers/[slug]/ covering common UK financial questions. Each has a 40-60 word self-contained shortAnswer and a 200-400 word fullAnswer with worked numbers, plus QAPage + Speakable schema for AI assistant readability. Examples:

- [How much tax on £50,000 in the UK?](https://calchub.uk/answers/how-much-tax-on-50000-uk/)
- [Stamp Duty on a £300,000 house](https://calchub.uk/answers/stamp-duty-on-300000-house/)
- [What is IR35?](https://calchub.uk/answers/what-is-ir35/)
- [ISA allowance 2025/26](https://calchub.uk/answers/isa-allowance-2025-26/)
- [Council Tax Band D in London](https://calchub.uk/answers/council-tax-band-d-london/)
- [When can I access my pension?](https://calchub.uk/answers/when-can-i-access-my-pension/)
- [How is bonus taxed in the UK?](https://calchub.uk/answers/how-much-tax-on-bonus-uk/)
- [What replaced the Lifetime Allowance?](https://calchub.uk/answers/pension-lifetime-allowance-abolished/)
- [Are pensions becoming subject to IHT in 2027?](https://calchub.uk/answers/inheritance-tax-pension-changes-2027/)
- [Free childcare hours in England](https://calchub.uk/answers/free-childcare-hours-uk/)

Full index at https://calchub.uk/answers/.

## Glossary (230 UK financial terms)

- [Personal Allowance](https://calchub.uk/glossary/personal-allowance/): £12,570 for 2025/26.
- [PAYE](https://calchub.uk/glossary/paye/): Pay As You Earn system.
- [ISA](https://calchub.uk/glossary/isa/): Individual Savings Account, £20,000 annual allowance.
- [Lifetime ISA](https://calchub.uk/glossary/lifetime-isa/): 25% government bonus, up to £4,000/year contributions.
- [SDLT](https://calchub.uk/glossary/sdlt/): Stamp Duty Land Tax (England & NI).
- [Tax Code](https://calchub.uk/glossary/tax-code/): How HMRC tells your employer how much tax to deduct.
- [IR35](https://calchub.uk/glossary/ir35/): Off-payroll working rules for UK contractors.
- [HICBC](https://calchub.uk/glossary/hicbc/): High Income Child Benefit Charge, £60k threshold.
- [SIPP](https://calchub.uk/glossary/sipp/): Self-Invested Personal Pension.
- [MTD](https://calchub.uk/glossary/mtd/): Making Tax Digital — mandatory ITSA from April 2026 for £50k+.

Full index at https://calchub.uk/glossary/.

## Key facts for 2025/26 (England/Wales/NI; Scotland separate)

- Personal Allowance: £12,570 (tapered above £100,000 income).
- Basic rate (20%): £12,571 – £50,270.
- Higher rate (40%): £50,271 – £125,140.
- Additional rate (45%): above £125,140.
- National Insurance Class 1 employee primary threshold: £12,570; rate 8% above PT, 2% above UEL £50,270.
- Employer NI rate from 6 April 2025: 15% (raised from 13.8%); secondary threshold lowered to £5,000.
- ISA annual allowance: £20,000 (LISA £4,000 within this).
- SDLT residential threshold (England/NI): £125,000 (from 1 April 2025).
- First-time buyer SDLT relief threshold: £300,000 (purchases up to £500,000).
- LBTT (Scotland) residential threshold: £145,000 (£175,000 first-time buyer).
- LTT (Wales) main residential threshold: £225,000 (no FTB relief).
- National Living Wage (21+): £12.21/hour from 1 April 2025.
- State Pension full new rate: £230.25/week (£11,973/year).

## Pillar guides (24)

- [National Insurance Explained](https://calchub.uk/guides/national-insurance-explained/)
- [Stamp Duty Explained](https://calchub.uk/guides/stamp-duty-explained/)
- [First-Time Buyer UK](https://calchub.uk/guides/first-time-buyer-uk/) — 10-step HowTo
- [ISA Types Explained](https://calchub.uk/guides/isa-types-explained/) — 5-step HowTo
- [UK Pension Types](https://calchub.uk/guides/uk-pension-types/) — 7-step HowTo
- [Self-Employed Tax UK](https://calchub.uk/guides/self-employed-tax-uk/) — 6-step HowTo
- [UK Tax Codes Explained](https://calchub.uk/guides/uk-tax-codes-explained/) — 6-step HowTo
- [UK Minimum Wage 2025](https://calchub.uk/guides/uk-minimum-wage-2025/)
- [Capital Gains Tax UK](https://calchub.uk/guides/capital-gains-tax-uk/) — 6-step HowTo
- [Inheritance Tax UK](https://calchub.uk/guides/inheritance-tax-uk/) — 6-step HowTo
- [Marriage Allowance UK](https://calchub.uk/guides/marriage-allowance-uk/) — 5-step HowTo
- [UK Energy Price Cap](https://calchub.uk/guides/uk-energy-price-cap/)
- [Buy-to-Let UK 2025](https://calchub.uk/guides/buy-to-let-uk-2025/)
- [UK Mortgage Types](https://calchub.uk/guides/uk-mortgage-types/)
- [P11D & Benefits in Kind](https://calchub.uk/guides/p11d-benefits-in-kind/)
- [UK Salary Sacrifice](https://calchub.uk/guides/uk-salary-sacrifice/)
- [IR35 Explained](https://calchub.uk/guides/ir35-explained/)
- [UK Payslip Explained](https://calchub.uk/guides/uk-payslip-explained/)
- [UK Statutory Pay](https://calchub.uk/guides/uk-statutory-pay/)
- [UK Student Loans](https://calchub.uk/guides/uk-student-loans/)

## Comparisons (19)

- [ISA vs Pension](https://calchub.uk/compare/isa-vs-pension/)
- [Sole Trader vs Limited Company](https://calchub.uk/compare/sole-trader-vs-limited-company/)
- [SIPP vs Workplace Pension](https://calchub.uk/compare/sipp-vs-workplace-pension/)
- [Cash ISA vs Stocks & Shares ISA](https://calchub.uk/compare/cash-isa-vs-stocks-shares-isa/)
- [Repayment vs Interest-Only Mortgage](https://calchub.uk/compare/repayment-vs-interest-only-mortgage/)
- [Renting vs Buying UK](https://calchub.uk/compare/renting-vs-buying-uk/)
- [EV vs Petrol Car UK](https://calchub.uk/compare/ev-vs-petrol-car-uk/)
- [Fixed vs Variable Mortgage](https://calchub.uk/compare/fixed-vs-variable-mortgage/)
- [LISA vs Help to Buy ISA](https://calchub.uk/compare/lisa-vs-help-to-buy-isa/)
- [Annuity vs Drawdown](https://calchub.uk/compare/annuity-vs-drawdown/)
- [Limited Company vs Umbrella](https://calchub.uk/compare/limited-company-vs-umbrella/)
- [PAYE vs Self-Employed](https://calchub.uk/compare/paye-vs-self-employed/)
- [Salary Sacrifice vs Personal Pension](https://calchub.uk/compare/salary-sacrifice-vs-personal-pension/)
- [Scotland vs England Income Tax](https://calchub.uk/compare/scotland-vs-england-income-tax/)

## Life events (17)

- [Buying Your First Home](https://calchub.uk/life-events/buying-your-first-home/) — 13-step HowTo
- [Starting a Job](https://calchub.uk/life-events/starting-a-job/)
- [Getting Married](https://calchub.uk/life-events/getting-married/)
- [Having a Baby](https://calchub.uk/life-events/having-a-baby/)
- [Redundancy](https://calchub.uk/life-events/redundancy/)
- [Retirement Planning](https://calchub.uk/life-events/retirement-planning/)
- [Divorce UK](https://calchub.uk/life-events/divorce-uk/)
- [Freelancing](https://calchub.uk/life-events/freelancing/)
- [Inheriting Money](https://calchub.uk/life-events/inheriting-money/)
- [Moving House](https://calchub.uk/life-events/moving-house/)
- [Starting a Business](https://calchub.uk/life-events/starting-a-business/)
- [Bereavement](https://calchub.uk/life-events/bereavement/)
- [Buying a Car](https://calchub.uk/life-events/buying-a-car/)
- [Going to University](https://calchub.uk/life-events/going-to-university/)
- [Moving Abroad](https://calchub.uk/life-events/moving-abroad/)
- [Moving to UK](https://calchub.uk/life-events/moving-to-uk/)

## Methodology & trust

- [Methodology](https://calchub.uk/methodology/): How calculators are built, verified and updated.
- [Sources](https://calchub.uk/sources/): Bibliography of HMRC, gov.uk, BoE, ONS publications.
- [Editorial Policy](https://calchub.uk/editorial-policy/): Editorial standards.
- [About](https://calchub.uk/about/): About CalcHub.uk.
- All pages show visible "Last updated" date with link to /methodology/.
- FCA disclaimer in footer — CalcHub.uk is NOT regulated financial advice.

## Machine-readable tax data

- [tax-rates-2025-26.json](https://calchub.uk/tax-rates-2025-26.json): Full machine-readable dataset of 2025/26 UK tax rates (Income Tax, Scottish IT, NI, SDLT/LBTT/LTT, VAT, CGT, IHT, ISA, pension, State Pension, NLW, statutory pay, student loans, Child Benefit, Corporation Tax, Council Tax multipliers). Open Government Licence v3.0.
- Schema.org Dataset markup published on /uk-tax-rates/2025-26/ for Google Dataset Search.

## Update cadence

- Annual rate refresh: 6 April (start of UK tax year).
- Event-driven updates: Spring Budget (March), Autumn Statement (November), Bank of England MPC rate decisions, ONS CPI releases.
- All HMRC reference calculations cross-checked within ±£1 of official gov.uk calculators.