HMRC Income Tax Estimate review
A free HMRC estimator for employment tax and take-home pay.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
HMRC Income Tax Estimate is a free calculator for employees who pay tax through an employer. It estimates Income Tax and National Insurance for the current UK tax year, then shows estimated take-home pay. Employees can include pension contributions and student loan repayments. It is available on web, iOS and Android, making it suited to people who want an estimate of employment pay rather than a broader view of their finances.
The calculator focuses on employment income: it does not estimate tax when state benefits are the only income. People registered for Self Assessment are directed to a separate calculator. The published service description also advises estimating each job separately, so users with multiple jobs should treat it as a per-job tool rather than a single combined calculation. That narrow scope makes it a practical fit for straightforward employee estimates, but less suitable when income comes from other sources or requires a different tax calculation.
There is no charge to use the service. Its key estimates cover Income Tax, National Insurance and take-home pay, with options to account for pension contributions and student loan repayments. HMRC provides access through its website and app; the service is also listed for iOS and Android. Choose it for a free, focused estimate of UK employment pay and deductions. If state benefits are the only income, or a Self Assessment calculation is needed, use the separate route HMRC identifies instead.
HMRC Income Tax Estimate pros and cons
- Where it wins
- Estimates Income Tax, National Insurance and take-home pay
- Includes pension contributions and student loan repayments
- Available on web, iOS and Android
- Where it doesn't
- Designed for employment income rather than all income types
- State benefits as the only income are not supported
- Multiple jobs require a separate estimate for each job
HMRC Income Tax Estimate fact sheet, pricing and score →
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