Information, not advice
Everything on UK Tax Drag is general information for educational purposes. It is written for the typical UK taxpayer or household considering their own situation. It is not personal financial, tax, legal, accounting, mortgage, pensions, or investment advice, and it does not consider your specific circumstances, goals, risk profile, or other holdings.
Not regulated advice
UK Tax Drag is not authorised or regulated by the Financial Conduct Authority (FCA). The site does not arrange, recommend, or transact any regulated financial product. If you are looking for regulated advice — for example on pensions, investments, mortgages, or insurance — find an FCA-authorised firm via the FCA Register or via MoneyHelper.
What the calculators do
- Apply published UK rates and thresholds (Income Tax, National Insurance, Capital Gains Tax, dividend tax, pensions tax relief, SDLT, etc.) for the stated tax year (currently 2026/27).
- Render a transparent, repeatable calculation so you can sanity-check a real outcome (a payslip, an HMRC SA302, a lender's mortgage offer, a pension provider's projection).
- Make their assumptions visible — most pages explicitly state the model and any rate or limit they use.
What the calculators do not do
- They do not capture every edge case. Devolved Scottish or Welsh income tax variants, transitional rules, anti-avoidance provisions, stranded cash flows, internationally mobile employees, trust interests, partnership-specific rules, and other niche cases are typically simplified or omitted.
- They do not model behaviour over time unless explicitly labelled as a multi-year projection.
- They do not factor in lifestyle, risk tolerance, dependants, debt, illness, or any other personal circumstance.
- They do not predict markets, future tax law, or future interest rates. Where return assumptions are used, they are stated and conservative.
Currency of information
Calculators and guides are reviewed against current HMRC guidance and the live UK tax year. Each calculator displays a "Last reviewed" date in its About this calculator footer. The site rebuilds those dates automatically on every deploy, but if a Budget, Spring Statement, or other in-year change affects your situation, treat the page as out of date until you've cross-checked the latest figures on gov.uk.
Third-party data and brand references
The site links to and references gov.uk, HMRC, the FCA, the Bank of England, MoneyHelper, and named investment products (e.g. iShares, Vanguard, named ETFs). Those references are for educational comparison only. They are not endorsements, sponsorships, or affiliate recommendations. UK Tax Drag has no commercial affiliation with any product issuer.
When you should seek qualified advice
Among other situations, you should speak with a qualified adviser before:
- Crystallising a large capital gain or executing a major sale.
- Restructuring how you take income from a limited company.
- Moving a pension between schemes or starting drawdown.
- Making large irreversible gifts or estate-planning decisions.
- Choosing between a mortgage product or a fixed-rate term that materially affects household cash flow.
- Acting on any calculator output where the difference between two scenarios is large enough to matter.
Errors and corrections
If you spot an error, an outdated rate, or a calculator that disagrees with HMRC's official tools or your real tax outcome, please get in touch via the contact route on the About page. Material corrections are applied as soon as practical and the page's "Last reviewed" date is bumped on the next deploy.
Limitation of liability
To the fullest extent permitted by law, UK Tax Drag and its operators accept no liability for any loss or damage arising from your use of, or reliance on, content or calculations on the site. This includes any tax, investment, mortgage, or pension decision you make on the basis of site content. See the Terms of Use for the full liability statement.