Wales: tax and money calculators for 2026/27
Wales has its own property purchase tax, Land Transaction Tax, and sets a Welsh rate of income tax within each band. For 2026/27 the Welsh rates leave the overall rates the same as in England, so the biggest practical differences are when you buy a home and in council tax. These are the tools that handle them.
Last updated: October 2026
Calculators for Wales
LTT Calculator (Wales)
Welsh Land Transaction Tax at main and higher rates, with the 3-year refund and an SDLT comparison.
Salary Calculator
Annual, monthly and weekly take-home pay after PAYE, NI, pension and student loan.
Welsh rates are the same as England for 2026/27, so use the standard (non-Scottish) setting.
Income Tax Calculator
PAYE tax, National Insurance and take-home pay for any UK salary, including Scotland.
Gives the right answer for Welsh taxpayers in 2026/27.
Council Tax Estimator
Estimate your council tax bill by band and authority, with the 25% single-person discount option.
Choose Wales for bands A to I on 2003 values.
Plan 2 Student Loan Calculator
Plan 2 repayments, income-linked interest and whether your balance is cleared before write-off.
Buy-to-Let Calculator
Rental yield, ROI, SDLT surcharge and Section 24 mortgage interest restrictions.
For Welsh purchases, check the LTT higher rates with the LTT calculator.
Stamp Duty Calculator
SDLT for England & NI with post-April-2025 bands, plus Scotland LBTT and Wales LTT.
Compares LTT with SDLT and LBTT at the same price.
What is different in Wales
How the main taxes and allowances compare with the rest of the UK.
| Area | Wales | Elsewhere in the UK |
|---|---|---|
| Income tax on earnings | Welsh rate of 10p in each band, giving 20%, 40%, 45% overall for 2026/27; tax code starts with C | 20%, 40%, 45% in England and NI |
| National Insurance | Same as the rest of the UK | UK-wide |
| Property purchase tax | LTT: 0% up to £225,000 | SDLT (England and NI): 0% up to £125,000 |
| First-time buyers | No first-time buyer relief | SDLT: 0% up to £300,000 for first-time buyers |
| Additional homes | Separate higher rate bands, from 5% on the first £180,000 | SDLT surcharge of 5% on each band |
| Council tax | Bands A to I; councils may charge premiums of up to 300% on second homes and long-term empty homes | Bands A to H in England |
| Student loans | Plan 2 for courses started from September 2012, Plan 1 before | Same plans in England |
Guides
Welsh Rates of Income Tax Explained: the C Tax Code, What Wales Controls and What Could Change
How Welsh rates of income tax work in 2026/27: the 10p Welsh rate, the C tax code, who is a Welsh taxpayer, what the Senedd can change, and rental income.
Second Homes and Holiday Lets in Wales: Council Tax Premiums, LTT Higher Rates and the 182-Day Rule
Owning a second home or holiday let in Wales: LTT higher rates, council tax premiums up to 300%, the 252 and 182-day business rates test and the visitor levy.
Council Tax in Wales 2026/27: Bands A to I, Discounts, Reductions and the Coming Revaluation
Council tax in Wales for 2026/27: bands A to I on 2003 values, the £2,283 average Band D, discounts, exemptions, reductions, band appeals and revaluation.
Land Transaction Tax in Wales: Rates, Higher Rates and Refunds (2026)
How Land Transaction Tax works in Wales: 2026/27 rates with worked examples, why there is no first-time buyer relief, higher rates and the 3-year refund.
Frequently asked questions
Is income tax different in Wales?
Wales sets a Welsh rate of income tax within each band. For 2026/27 it is 10p in every band, which leaves the overall rates at 20%, 40% and 45%, the same as England and Northern Ireland. Welsh taxpayers have a tax code starting with C.
Do I pay stamp duty in Wales?
No. Wales has Land Transaction Tax (LTT) instead. The nil-rate band is £225,000, there is no first-time buyer relief, and additional homes pay separate higher rates rather than a flat surcharge.
Do first-time buyers get relief in Wales?
There is no separate first-time buyer relief. Instead the standard nil-rate band of £225,000 applies to everyone buying their only home.
What is council tax band I?
Wales revalued council tax in 2005, using 2003 property values, and added a ninth band, band I, for the highest-value homes. England and Scotland stop at band H.
Can I get the LTT higher rates refunded?
If you pay the higher rates because you bought a new main home before selling your old one, you can usually claim a refund if you sell the old home within 3 years. The Welsh Revenue Authority handles the claim.
Reviewed by Alexandre Bernier, LLM (UK), CFP®
Educational tool: estimates only. Not individual financial, investment, tax or legal advice. Using it does not create an adviser-client relationship. Rules and figures change; check them against current HMRC and GOV.UK guidance and speak to a qualified professional. Editorial policy →