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Enter your income and tax details
Add the main figures that shape your estimated position, such as employment income, benefits, dividends, rental income, pension contributions, and tax already paid through PAYE.
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Product
Tax Planner
Estimate your UK personal tax position, compare scenarios, and see how income mix, pension contributions, allowances, and planning choices may affect your estimated liability and what you may need to set aside.
Get early access to Planiva’s practical planning tools.
Estimate and compare UK personal tax scenarios
Planiva’s Tax Planner helps you build a structured estimate of your UK personal tax position and compare how different planning choices may change the result. It is designed for planning and scenario comparison, so you can explore questions such as how much tax you may pay, how pension contributions may affect your position, what your marginal tax rate may be, how different income sources and allowances interact, and what you may need to set aside for Self Assessment.
How it works
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Set the relevant tax details
Choose the relevant tax year, tax regime details such as Scottish taxpayer status where relevant, and any supporting figures that affect the estimate.
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Compare planning choices
Review how changes to income mix, pension contributions, or other planning inputs may affect your estimated liability and payment position.
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Review the estimated result
See your estimated annual liability, balancing payment, tax breakdown, marginal rate, and payment timing to support more informed planning.
What this planner helps you do
Use the planner to turn a rough tax estimate into a clearer planning view before filing, changing income decisions, or taking advice.
Estimate likely tax exposure
Build a structured estimate of your annual personal tax position using the income and assumption details you enter.
Compare tax scenarios
Test how changes in income, contributions, or assumptions may alter your estimated liability and payment position.
Understand the key drivers
See how different income types, allowances, and contribution choices affect the estimated result.
Plan around pension contributions
Explore how pension contribution choices may change your tax position, relief, or wider planning outcome.
Prepare for upcoming payments
Use the estimated balancing payment and payment timing outputs to understand what may need to be set aside.
Core features
The planner is designed to support practical UK tax planning in a clearer and more structured way than a simple tax calculator.
Annual tax estimate
Estimate your annual UK personal tax position using the income and input details in the plan.
Multiple income source inputs
Include employment income, benefits, dividends, rental income, savings, and pension-related inputs where relevant.
Pension contribution planning
Review how pension contributions may affect your estimated tax position and wider planning choices.
Marginal rate visibility
See the estimated marginal rate on additional income so planning trade-offs are easier to assess.
Self Assessment payment view
Review estimated balancing payment and payment timing outputs to support cash planning around tax.
Tax breakdown detail
See how the estimate is built across non-dividend income, dividends, savings, and other relevant tax components.
Scenario comparison support
Support comparison of different tax inputs or planning choices rather than relying on one static estimate.
Scenarios you can model
The planner is suited to common UK tax-planning situations where you want a clearer estimate before proceeding further.
What happens if my income changes?
Explore how a change in employment income, rental income, dividends, or other taxable amounts may affect your estimated position.
Pension contribution choices
Compare how different contribution levels may affect your estimated liability, marginal rate, or planning outcome.
Different income mixes
Test how employment income, dividends, property income, and benefits interact within the estimate.
Scottish taxpayer scenarios
Model the estimate under Scottish taxpayer rules where that status is relevant to your position.
Self Assessment planning
Review how estimated balancing payment and payment timing may change as your inputs change.
Tax payment planning
Use the estimate to assess what may need to be set aside ahead of key Self Assessment payment dates.
Outputs and insights
The planner is designed to return practical tax-planning outputs that help you assess and compare options more clearly.
Estimated annual liability
See a clear estimate of your annual personal tax position based on the figures and assumptions entered.
Balancing payment view
Review an estimated Self Assessment balancing payment so your likely year-end position is easier to understand.
Marginal rate view
See the estimated marginal rate on additional income to support contribution and income-planning decisions.
Tax breakdown by source
Review how different income types contribute to the estimated liability.
Payment timing view
See key payment timing outputs, including amounts that may fall due around Self Assessment deadlines.
Payment planning signals
Use the planner’s outputs to understand what may need to be reserved for upcoming tax payments.
Who it is for
This planner is best suited to people who want a clearer UK tax-planning view before making income, contribution, or payment decisions.
People asking how much tax they may pay
Useful if you want a more structured estimate than a rough calculator or manual calculation.
People planning around pension contributions
Helpful when you want to see how contribution choices may affect your estimated tax position.
People with mixed income sources
Useful if employment income, dividends, rental income, benefits, or savings all contribute to your tax picture.
People planning for Self Assessment payments
Helpful if you want to understand likely balancing payments, payment timing, and how much to set aside.
Users who want planning support before advice
Best for estimating and comparing likely outcomes before filing or taking professional advice, not for replacing tax advice or HMRC records.
Notes and limitations
This planner is designed to support planning and comparison. It does not replace tax advice, and outputs depend on the facts, assumptions, and tax rules applied.
Shared trust notes
- This planner supports scenario modelling and comparison. It is intended to help you think through decisions, not to replace regulated financial, tax, legal, or investment advice.
- Outputs depend on the details, assumptions, and tax rules used at the time of modelling. Real-world outcomes can differ if those assumptions change or if relevant information is incomplete.
Planner-specific notes
- Estimates may change if income details, pension contributions, tax already paid, or tax status assumptions are incomplete or incorrect.
- The planner is intended for planning scenarios and may not reflect every HMRC account movement, reallocation, adjustment, or edge case in practice.
- Outputs are indicative estimates to support decision-making and should not be treated as filing-ready calculations or tax advice.
- Tax outcomes depend on personal circumstances, tax-year rules, and complete information, so professional advice may still be appropriate before action is taken.
Frequently asked questions
What does the Tax Planner help me do?
It helps you estimate and compare likely UK personal tax outcomes so you can understand how income, contributions, and planning choices may affect your position.
Can I use it to see how pension contributions affect tax?
Yes. The planner is designed to help you explore how pension contribution choices may change your estimated tax position and marginal rate.
Does it include dividends, rental income, and benefits?
Yes. The planner is intended to support multiple income sources, including employment income, benefits, dividends, and rental income, where those are relevant to your position.
Does it show my marginal tax rate?
Yes. The planner is designed to show the estimated marginal rate on additional income so planning trade-offs are easier to assess.
Can it help me plan for balancing payments or payments on account?
Yes. It is designed to show estimated balancing payment and payment timing outputs so you can understand what may need to be reserved, while recognising that HMRC account movements can still differ in practice.
Is this for filing my tax return?
No. It is a planning and estimation tool, not filing software or tax advice.
Will this exactly match HMRC?
Not necessarily. It provides an indicative estimate based on the inputs and assumptions entered, and HMRC account outcomes can differ because of payments on account, reallocations, interest, adjustments, or missing details.
Related tools
Tax planning often connects directly to cash flow, retirement, and disposal decisions.
Cash Flow Planner
See how estimated tax liabilities and payment timing may affect wider household affordability.
Retirement Planner
Useful if pension contributions, retirement income, or withdrawals form part of your wider tax planning.
Capital Gains Tax Planner
Helpful if disposal planning sits alongside wider personal tax planning and reserve decisions.
Access the Tax Planner in beta
Join the Planiva beta to explore this planner as part of the wider planning workbench.