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    WhatsUK

    Rate Updates and Changelog

    Every HMRC rate change, new calculator launch, and improvement is logged here. We verify all rates against official GOV.UK sources before updating our tools.

    Improvement

    Every calculator now names its own source or its calculation method

    Calculator pages previously fell back to a per-section default source, which showed HMRC stamp duty guidance on property tools that calculate a mortgage payment or a Land Registry fee. That fallback is gone. Each page now names the sources behind its numbers, tied to the specific result each one supports, or links to the model it runs. Source check dates are recorded per source and are no longer inherited from the tax rate config.

    Land Registry Fee CalculatorMortgage CalculatorLTV CalculatorData SourcesMethodology
    Correction

    Council Tax: all adults disregarded now gives a 50% reduction, not a zero bill

    Selecting that every counted adult is disregarded produced a £0 bill, which treated a disregard as a property exemption. In England the general case is a 50% reduction where the property is not otherwise exempt. The separate all-student property exemption still returns £0. The option is limited to England, where our fixture and source apply.

    Council Tax Calculator
    Source: GOV.UK Council Tax discounts
    Correction

    NHS pay: Scottish standard week and 2025/26 pension tiers corrected

    The take-home calculation used a 37.5 hour full-time week for every nation, which understated Scottish full-time pay where the standard week is 37 hours in 2025/26 and 36 hours in 2026/27. Separately, the England and Wales 2025/26 member contribution tiers had been inferred from CPI rather than taken from the published table, and have been replaced with the NHSBSA thresholds.

    NHS Pay CalculatorNHS Pension Contribution Calculator
    Source: NHSBSA cost of being in the scheme
    Correction

    Dividend tax: 2026/27 rates applied and allowance allocation fixed

    The calculator now uses the 2026/27 dividend rates of 10.75%, 35.75% and 39.35% with the £500 allowance, in both the calculation and the on-page labels. The personal allowance is allocated across salary and dividends to minimise total income tax rather than dividend tax alone, and the result explains which allocation was used.

    Dividend Tax Calculator
    Source: HMRC tax on dividends
    Correction

    Student loan worked example corrected to £505.35

    A worked example gave the Plan 2 annual repayment on a £35,000 salary as £693. Against the 2026/27 Plan 2 threshold the correct figure is £505.35. The example is now generated by the same function the calculator uses, with a test asserting the expected value independently.

    Salary CalculatorHow to read your payslip
    Source: Student loan repayment thresholds
    Improvement

    Expert Insights system rolled out to all 48 calculators

    Every calculator now provides contextual tips, warnings, and opportunities based on your results. Insights are included in PDF exports with a mandatory financial advice disclaimer.

    All Calculators
    Improvement

    Branded PDF exports with QR codes and watermark

    PDF downloads now include the full-colour WhatsUK logo, a QR code linking back to the calculator, a subtle brand watermark, and a professional layout with HMRC verification badge.

    All Calculators
    Rate Update

    Stamp duty thresholds reverted to pre-2022 levels

    The temporary SDLT threshold increase ended. The nil-rate band returned to £125,000 (from £250,000) and first-time buyer relief threshold to £300,000 (from £425,000). Additional property surcharge increased to 5%.

    Stamp Duty Calculator
    Source: HMRC SDLT rates

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