UK Income Tax Estimate Planner (2025/26 + 2026/27)

Plan your UK income tax picture before opening Self Assessment or HMRC tools.

This Excel workbook helps taxpayers estimate rough ordinary UK income tax for 2025/26 and 2026/27, including England/Wales/Northern Ireland rates, Scottish rates, the Personal Allowance taper above GBP 100,000, tax already paid, and three what-if scenarios.

What's included:

- UK income tax estimate dashboard

- 2025/26 and 2026/27 tax year support

- England/Wales/Northern Ireland and Scotland rate options

- Personal Allowance taper calculator

- Bracket-by-bracket tax calculation

- PAYE/Self Assessment payments planner

- Three-scenario comparison planner

- Filing preparation checklist

- Official GOV.UK/HMRC source links

- Quick start guide, disclaimer, and personal-use license

Good for:

- Employees or pensioners checking a rough income tax estimate

- Side-income earners planning Self Assessment

- Scottish taxpayers comparing Scottish and rest-of-UK rates

- Higher earners checking the Personal Allowance taper

- Anyone who wants a clean worksheet before using official HMRC tools

Important limits:

This is an educational estimate only. It is not tax advice and it does not file your return or update PAYE.

The workbook does not calculate National Insurance, student loans, dividend tax, savings tax, capital gains tax, benefits charges, marriage allowance, pension annual allowance, foreign income, remittance basis, property-specific rules, or most Self Assessment special cases. Always verify official guidance and consult a qualified professional before filing.