A clearer view of tax & cash flow

What did your 2025/26 tax position look like?

Choose broad income ranges. Reserved will show an indicative tax position, the additional 2025/26 Income Tax attributable to non‑PAYE income, and whether Making Tax Digital may be relevant.

No bank connection. No account needed. No exact salary required.

01 · Your income

Tell us roughly what came in

Use your best estimate for the whole 2025/26 tax year. Enter gross employment income before salary sacrifice. Reserved uses the optional pension and other salary sacrifice estimates below to estimate your taxable employment income. For self‑employment and property, use taxable profit; if either applies, we’ll ask one separate MTD question because HMRC’s check uses gross income before expenses.

PAYE employment income Gross salary before tax and salary sacrifice Workplace pension contribution / pension salary sacrifice (if applicable) Estimated gross annual contribution Other salary sacrifice benefits (if applicable) Estimated gross annual value Self‑employment / freelance profit After allowable business expenses Rental / property profit Taxable property profit, not gross rent Dividends Dividends received in the tax year Savings interest Interest outside tax‑free accounts such as ISAs

Child Benefit applies to my household Used only to flag possible High Income Child Benefit Charge implications.

Your result

2025/26 snapshot

Indicative

Estimated additional 2025/26 Income Tax from non‑PAYE income

£0

Choose your income ranges to estimate the additional tax attributable to 2025/26 non‑PAYE income.

This is a retrospective estimate of additional Income Tax attributable to the 2025/26 non‑PAYE income entered above. It is not an instruction to set this amount aside now.

Estimated total Income Tax

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Based on the midpoint of the ranges you select.

Making Tax Digital

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Your qualifying gross income is used for this check.

What stands out

Your result will appear here after you calculate.

Important: This is a simplified demonstration using 2025/26 England, Wales and Northern Ireland Income Tax rules. It is not tax advice and does not calculate every relief, allowance, National Insurance contribution, every Self Assessment component or the actual Payments on Account amount and timing.

Why Reserved

Tax rarely arrives as one neat number.

Salary, rental income, freelance work, dividends and other income interact. Reserved is being built to keep that picture current as new information arrives.

Here is what we can estimate from a few facts today. Reserved can keep this position updated as your income and circumstances change.

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What did your 2025/26 tax position look like?

Tell us roughly what came in

Is your combined gross self‑employment + rental income over £30,000?

Bringing your tax picture together