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The Stealth Tax Project™

How much is Britain REALLY taking from you?

The only calculator that shows your true tax rate – including 14+ hidden taxes the government never talks about.

100% Accurate

HMRC & OBR Data

Independent & Non-Partisan

Free to use

🔒 Private

🛡️ Secure

✓ Free

ADSENSE — LEADERBOARD 728×90

Step 1 of 7

Which best describes your situation?

We'll tailor your questions to your circumstances.

🔒 Your data is never sold or shared.

Step 2 of 7 — Income

Your income before tax

Enter annual amounts. Estimates are fine.

Annual employment income (salary, before tax)

£60,000

£0£300k

Include all PAYE salary, overtime, and taxable benefits.

Any other income? (tick all that apply)

💰 Savings interest

📈 Dividend income (if not already entered)

🏠 Rental income (if not already entered)

Step 3 of 7 — Hidden Taxes

Now the hidden taxes...

These are the taxes most people never count — but they're very real.

Council Tax Band (England)

Do you drive a car?

Fuel used per week (litres)

~25 litres/week

0100 litres

Vehicle type Vehicle CO₂ band (for Road Tax / VED) Number of cars in household

Annual eating out & takeaway spend

National average £2,400/yr. All VAT at 20%.

Annual household non-food purchases

Clothing, electronics, homewares etc. Avg £3,200/yr.

Annual insurance premiums (total)

Home, car, life, health combined. IPT charged at 12%.

Do you have a TV licence?

Flights per year (return trips)

Do you drink alcohol?

Units per week Mainly drink

Do you smoke?

Cigarettes per week

Sugary drinks spend per week (£)

Gambling spend per week (£)

Congestion charge days per week (London)

Step 4 of 7 — Life Events

Any major financial events this year?

These can significantly affect your tax. Skip if none apply.

🏠 Property sale

Joint ownership?

💼 Business or share sale (CGT)

Qualifies for BADR (Business Asset Disposal Relief)?

Sale before April 2026?

💰 Pension lump sum (PCLS / drawdown)

Tax-free PCLS amount (25% of pot)

✓ Genuinely tax-free. No tax due on this amount.

Taxable drawdown (remaining 75% — optional)

You do NOT have to draw this. Leave as £0 if taking PCLS only.

📋 Redundancy payment

First £30,000 is tax-free. Tax calculated on the excess.

🏛️ Estate planning (Inheritance Tax)

Married or civil partner?

Leaving home to children/grandchildren?

🔒

Your personal tax profile is ready!

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⭐⭐⭐⭐⭐ Trusted by 326,000+ users

Your True Tax Rate

–%

You lose £– per year through 47 direct and hidden taxes.

£–

per month

£–

lifetime impact (40 yrs)

The average household loses £31,482 every year.

47

taxes identified

Including stealth taxes, fiscal drag and hidden charges most people never see

How You Compare

82%

of UK households — you pay more than most.

You

54%

UK Average

37%

London Avg

49%

Top 10%

60%

See full comparison →

Your Tax Breakdown

Top taxes shown · 89% of total

Tax	Annual Cost	% of Total
TOTAL	£–	–%

Direct taxes Stealth/indirect taxes

Where Your Money Goes

Govt spending allocation

£–

your share

NHS — 28%

Debt Interest — 23%

Welfare — 12%

Education — 10%

Defence — 9%

Other — 18%

Tax Impact Over Time

Annual cost 2021–2027

Threshold freezes and policy changes mean your tax burden has increased by £7,146 since 2021.

Today's Stealth Tax

Frozen Tax Bands Are Costing You £642 More This Year

As tax thresholds remain frozen until 2028, more of your income is dragged into higher bands without a single rate change. This is stealth taxation in action.

Read Full Insight →

Legal Tax-Saving Opportunities

Your potential annual saving:

£12,840+

Based on your profile. Actual savings will vary. We may earn a commission from partners.