Free Online Calculators for Tax, Pay and Money
These 40 free online calculators work out tax, pay, property and savings figures for the UK, Australia, Canada, New Zealand and the USA, each on its own country's 2026 official rates. Pick your country, then the question you need answered.
Updated Covers 5 countriesHow we check figures
| Income before income tax starts | |
| United Kingdom | £12,570 |
| Australia | A$18,200 |
| Canada, federal | C$16,452 |
| New Zealand | None |
| USA, single filer | US$16,100 |
| Sales tax on most purchases | |
| UK VAT | 20% |
| Australia GST | 10% |
| Canada GST, before provincial tax | 5% |
| New Zealand GST | 15% |
| USA | Set by state |
Figures for each country's current tax year. Canada's amount is a federal credit; the US figure is the standard deduction.
Five tax years on one calendar
Each country runs its own tax year, so on the same day one is just starting while another is nearly over. The dark line marks today, and the short marks show filing and payment deadlines.
United Kingdom2026/27, Day 195 of 365
Paper Self Assessment return for 2025/2614 days to go
Australia2026-27, Day 109 of 365
Self-lodged 2025-26 tax returns due14 days to go
Canada2026, Day 290 of 365
Last 2026 instalment for those who pay them59 days to go
New Zealand2026/27, Day 200 of 365
2025/26 tax to pay, if you have no agent113 days to go
USA2026, Day 290 of 365
Last day of the 2026 tax year75 days to go
Dates come from HMRC, the ATO, the CRA, Inland Revenue and the IRS. Each country hub lists its deadlines in full.
Start here in each country
One starting point for each country: the calculator that answers its most common tax or pay question.
Take-home pay calculator
Your take-home pay after Income Tax and National Insurance, by year, month and week.
Income tax calculator
Income tax and the 2% Medicare levy on your taxable income, with your take-home pay.
Vacation pay calculator
Vacation pay and weeks by province, including when the third week starts.
Minimum wage calculator
Pay at the $23.95 adult rate or the $19.16 starting-out and training rate, by hour, week and year.
Overtime pay calculator (FLSA)
Overtime pay at time and a half for hours over 40 in a workweek under the Fair Labor Standards Act.
All calculators
Search, filter by country or topic, and group the list the way you think about it. Each row shows the rate year it was built for.
Showing calculators that match "".
United Kingdom calculators 12 calculators
HMRC and GOV.UK rates for the 2026/27 tax year, from 6 April 2026. Scotland sets its own Income Tax bands and each council sets its own council tax.
Open the UK hub- VAT calculator
Add VAT to a net price or take it out of a gross price at 20%, 5% or 0%.
20%Standard VAT rate - Council tax calculator
Your yearly and monthly council tax bill from your band and council, with discounts and part-year bills.
£2,392England average Band D - National Insurance calculator
Employee Class 1 National Insurance on your salary at 8% and 2%, by year, month and week.
8%Main employee rate - Rent a room scheme tax calculator
Tax on lodger income under the £7,500 allowance, and whether Method A or Method B leaves you better off.
£7,500Tax-free allowance - Take-home pay calculator
Your take-home pay after Income Tax and National Insurance, by year, month and week.
- Maternity pay calculator
Statutory maternity pay: 6 weeks at 90% of average weekly earnings, then the flat rate or 90%, whichever is lower.
39 wksSMP pay period - Statutory sick pay calculator
Weekly and total SSP for a period of sickness, paid from the first day off at £123.25 or 80% of earnings.
£123.25Weekly SSP cap - Paternity pay calculator
Statutory paternity pay at £194.32 a week or 90% of earnings, whichever is lower, plus what the employer can recover.
£194.32Weekly rate cap - Mortgage overpayment calculator
How much interest and time regular or lump-sum overpayments could take off your mortgage.
- Rent affordability calculator
How much rent your income supports, and whether you pass the common 30 times monthly rent referencing check.
- Student loan repayment calculator
Student loan repayments taken from your salary under your repayment plan, per month and per year.
- Debt payoff calculator
How long it will take to clear a debt, and the total interest paid on the way.
Australia calculators 12 calculators
ATO and state revenue office rates for the 2026-27 financial year, from 1 July 2026. Stamp duty, payroll tax and first home grants differ by state.
Open the Australia hub- Income tax calculator
Income tax and the 2% Medicare levy on your taxable income, with your take-home pay.
- GST calculator
Add 10% GST to a price or take it out of a GST-inclusive amount.
10%GST rate - Payroll tax calculator
Payroll tax in each state and territory, with thresholds, and the same wage bill compared across all eight.
8States and territories - Fringe benefits tax calculator
FBT on cars and other benefits at the 47% rate, comparing the statutory formula and operating cost methods.
47%FBT rate - Redundancy pay calculator
Redundancy pay under the National Employment Standards for your years of continuous service.
16 wksHighest NES scale - Stamp duty calculator
Transfer duty on a property purchase in your state or territory.
- Mortgage repayment calculator
Weekly, fortnightly or monthly home loan repayments and the total interest over the loan term.
- First home buyers grant calculator
Whether you may qualify for a first home owner grant in your state or territory, and how much it could be.
- Negative gearing calculator
Whether a rental property makes a tax loss, and how much tax that loss could save against your other income.
- Land transfer fee calculator
Government transfer registration fee on a property purchase in every state and territory. Stamp duty is separate.
$182.73NSW transfer fee - Super contribution cap calculator
Room left under the $32,500 concessional and $130,000 non-concessional caps, including bring-forward and carry-forward.
$32,500Concessional cap - Superannuation calculator
Your projected super balance at retirement from employer and voluntary contributions.
Canada calculators 9 calculators
CRA rates for the 2026 calendar year, plus each province's employment standards. Vacation, overtime and minimum wage rules change by province.
Open the Canada hub- Income tax calculator
Federal and provincial income tax on your income, with your average and marginal tax rates.
- Provincial income tax comparison
Income tax on the same salary in every province and territory, side by side.
13Provinces and territories - Vacation pay calculator
Vacation pay and weeks by province, including when the third week starts.
6%Ontario rate after 5 years - Overtime pay calculator
Overtime hours and pay under each province's daily and weekly rules, including BC double time after 12 hours.
2xBC rate after 12 hours - Severance pay calculator
Statutory notice and severance in all 14 jurisdictions, with a common-law range for comparison.
8 wksLongest federal notice - Minimum wage calculator
Pay at the minimum wage in any province or territory, by hour, week and year.
14Jurisdictions covered - Time card calculator
Total hours worked from start and finish times and breaks, with gross pay at your hourly rate.
- RRSP calculator
How RRSP contributions could grow, and the income tax they could save at your marginal rate.
- TFSA calculator
How savings in a TFSA could grow tax-free over time, within your contribution room.
New Zealand calculators 3 calculators
Inland Revenue and Employment New Zealand rates for the 2026/27 tax year, from 1 April 2026. Rules are the same nationwide.
Open the New Zealand hub- Bright-line property tax calculator
Tax on a property sold within the 2-year bright-line period, stacked on your other income.
2 yrsBright-line period - Minimum wage calculator
Pay at the $23.95 adult rate or the $19.16 starting-out and training rate, by hour, week and year.
$23.95Adult rate per hour - Paid parental leave calculator
Weekly payments up to $811.05 and whether you meet the 26-week work test.
$811.05Weekly maximum
USA calculators 4 calculators
IRS, Social Security and Department of Labor rules for 2026. States can add their own income tax and overtime rules.
Open the USA hub- Overtime pay calculator (FLSA)
Overtime pay at time and a half for hours over 40 in a workweek under the Fair Labor Standards Act.
1.5xRate over 40 hours - Pay stub calculator
Gross to net pay on a pay stub after federal income tax withholding, Social Security and Medicare.
7.65%Employee FICA rate - Savings goal calculator
How much to save each month to reach a savings target by the date you choose.
- Alimony calculator
An estimate of spousal support payments from both spouses' incomes. Courts decide the final amount.
No calculator matches that yet. Request one and tell us the country.
Why every calculator starts with a country
A tax, pay or property figure is only right for one country and one tax year, because each country sets its own rates, thresholds and dates. A take-home pay figure built on UK rules is wrong for an Australian payslip even before the currency changes, so every calculator here applies one country's rules and says which year it uses.
| Country | Tax year runs | Current label | Calculators |
|---|---|---|---|
| United Kingdom | 6 April to 5 April | 2026/27 | 12 |
| Australia | 1 July to 30 June | 2026-27 | 12 |
| Canada | 1 January to 31 December | 2026 | 9 |
| New Zealand | 1 April to 31 March | 2026/27 | 3 |
| USA | 1 January to 31 December | 2026 | 4 |
Within a country, some rules change again by region. Scotland sets its own Income Tax bands, Australian states set stamp duty and payroll tax, Canadian provinces set vacation and overtime rules, and US states can add income tax and daily overtime. Where that happens, the calculator asks for your region.
How the five countries compare in 2026
New Zealand is the only one of the five countries with no tax-free amount, taxing the first dollar at 10.5%, while Australia lets residents earn A$18,200 before income tax starts. The table sets the headline figures side by side; each country hub has the full rate tables and sources.
| Figure | UK | Australia | Canada | New Zealand | USA |
|---|---|---|---|---|---|
| Income before tax starts | £12,570 | $18,200 | $16,452 | None | $16,100 |
| First income tax rate | 20% | 15% | 14% | 10.5% | 10% |
| Top national rate | 45% | 45% | 33% | 39% | 37% |
| Main employee payroll deduction | 8% NI | 2% Medicare | 5.95% CPP | 1.75% ACC | 7.65% FICA |
| Sales tax | 20% VAT | 10% GST | 5% GST+ | 15% GST | By state |
Australia's Medicare levy is charged through the tax return rather than as a separate payroll contribution, and Australian employers pay 12% super on top of wages instead. Canada's CPP figure excludes EI at 1.63%, and Canada's sales tax rises to 13% to 15% in the HST provinces.
Which calculator answers your question
Most questions have a calculator in more than one country, so start from what you need to know and then pick your country's version.
How every calculator is built and checked
Every calculator goes through the same four steps before it is published, and again when a rate it uses changes. The full process is in our Editorial Policy.
- Research. Rates, thresholds and rules are taken from the government body that sets them and cited by name, such as HMRC's employer rates or Ontario's Employment Standards Act, 2000.
- Calculation. The formula is written out step by step with every rate held as a named value linked to its source, and the result comes back with a full breakdown.
- Verification. Each formula is modelled independently, and the live calculator must match the model on test cases, including values at every threshold.
- Updates. When a rate changes, the calculator, its worked examples and its source dates are re-checked together, and the page's Updated date changes.
How to read a calculator result
A calculator result is an estimate built from four things: the figures you enter, the country or region you choose, the tax or rate year, and the assumptions the page states. Change any one of them and the result changes.
A result is not your final tax bill, payslip, mortgage offer or official assessment. Other income, deductions, credits, tax codes, residency, contracts and lender criteria can change the real figure. For a decision that matters, confirm the number with the official body or a qualified adviser.
If a result looks wrong, check your inputs, then the year and region. If it still looks wrong, tell us the calculator, the inputs you used and the official source that shows a different figure, and we will re-check it.
Frequently asked questions
Short answers about how the calculators work, what they cover and how far to rely on them.
Yes. Every calculator is free, with no paywall, subscription or sign-up. The site is supported by clearly labelled advertising, which is kept away from calculator inputs and results and never affects a figure.
The calculators cover the United Kingdom, Australia, Canada, New Zealand and the USA. Each one applies a single country's rules, and where states, provinces or nations set different rates, it asks for yours.
Each country sets its own tax year, rates, thresholds and employment rules, so one formula cannot be right everywhere. New Zealand has no tax-free amount, for example, while Australia lets residents earn A$18,200 before income tax starts.
A calculator is re-checked whenever a rate or rule it uses changes, which for most tax and pay figures means at least once a year when the new tax year starts. Each page shows its Updated date and the year it covers.
Results are estimates built from official rates and checked against an independent model before publishing. They are only as good as the figures you enter, and they cannot see personal details such as other income, credits or tax codes.
No account is needed and no personal details are asked for. The figures you enter are sent to our server to calculate your result and may appear in standard server logs. See our Privacy Policy for details.
Yes. Every calculator works on a phone screen, with large tap targets and number keypads on number fields, and most let you download the result as a PDF or CSV file.
No. Results are estimates for planning and are not financial, tax, legal or investment advice. Confirm an important figure with the official body, your employer, your lender or a qualified adviser before you act on it.
Yes. Use the contact form and tell us the country and what you want to work out. Requests shape what we build next.
Sources
The headline figures on this page come from these publications. Each calculator and country hub lists its own full sources.
- Rates and thresholds for employers 2026 to 2027 and Income Tax rates, HMRC and GOV.UK. Checked .
- Tax rates for Australian residents and super guarantee, Australian Taxation Office. Checked .
- Canadian income tax rates and CPP rates, Canada Revenue Agency. Checked .
- Tax rates for individuals and GST, Inland Revenue. Checked .
- Revenue Procedure 2025-32, Internal Revenue Service, and contribution and benefit base, Social Security Administration. Checked .
Need a calculator we don't have?
Tell us the country and what you want to work out. Requests shape what we build next.
Disclaimer
Calculation methodology sourced from official government publications. See our Editorial Policy for how we build and maintain our calculators.
Results are estimates for planning, not financial, tax, legal, investment or accounting advice. Confirm important figures with the official body or a qualified adviser before acting.