Budget 2026: what it means for your money
Other publishers will report what the Chancellor says. UKCalc will check each measure against the body that published it, then work out what the confirmed ones actually do to your figures.
28 October 2026 · Wednesday
Confirmed by HM Treasury on 31 July 2026 — Chancellor letter to the Treasury Select Committee (TSC) — Budget 2026 date
“The Budget will be held on 28 October 2026.”
What UKCalc will publish
Nothing has been announced yet, so there is nothing here to report. On the day, confirmed announcements and the calculations that follow will appear above — and only once each one has been checked against the body that published it.
How UKCalc will handle the announcements
A Chancellor saying something, an official document confirming the detail, a governed UKCalc value changing, and a calculated consequence are four different events. Treating them as one is how a Budget gets reported wrongly at speed.
A minister has said something at the despatch box or in a statement. It is on the record and nothing more.
A report may describe what was said, attributed to the speaker.
An official supporting document states the figure, the scope and the date.
The detail may be reported as fact, cited to that document.
UKCalc has matched the change to specific governed registry values.
The affected pages and calculators can be named.
The governed input is confirmed well enough to compute a before/after for a stated scenario.
UKCalc may publish a calculated consequence, with inputs and assumptions.
A human has approved the report record.
Publication.
These are five distinct events, not one. A politician saying something is not an official document; an official document is not a registry impact; a registry impact is not a calculation. A measure announced without implementable detail stops at POLICY_ANNOUNCED and must not become a statutory calculator change.
What UKCalc monitors, and what it can calculate
These are the areas UKCalc is able to compute if they change. Listing an area here is not a suggestion that it will change — nobody outside the Treasury knows what is in the Budget, and UKCalc will not pretend otherwise.
Income Tax
Rates, thresholds and the Personal Allowance drive every take-home figure UKCalc publishes.
income tax calculatortake home pay calculatorsalary calculator
National Insurance
Employee and employer rates and thresholds sit alongside Income Tax in every net-pay calculation.
income tax calculatorself employed tax calculatorcontractor take home calculator
Pensions
Contribution limits, tax relief and the State Pension feed retirement modelling.
pension calculatorpension contribution calculatorretirement target calculator
Benefits and household support
Universal Credit, Child Benefit and the high-income charge change what households receive.
Property and stamp duty
Transaction taxes and their devolved equivalents change what a purchase costs.
stamp duty calculatormortgage calculatorbuy to let calculator
Savings and investment
ISA rules, dividend and savings allowances and capital gains change the return on saving.
isa calculatorsavings interest calculatorcapital gains tax calculatordividend tax calculator
Business and self-employment
Corporation tax, VAT and self-employed thresholds change what a business owes.
corporation tax calculatorvat calculatorself employed tax calculator
Motoring
Vehicle tax, fuel duty and company car benefit change running costs.
road tax calculatorcompany car tax calculatorfuel cost calculator
Student loans
Repayment thresholds and rates change take-home pay for graduates.
Where the facts will come from
Statutory detail comes from the body with the power to set it. Secondary reporting is useful for noticing that something has happened, and is never the authority for what it is.
- HM Treasury — The Budget document, the Chancellor's statement and accompanying policy papers.
- HMRC — Tax information and impact notes, and the rates and allowances updates that follow.
- Office for Budget Responsibility — The Economic and fiscal outlook published alongside the Budget.
- Department for Work and Pensions — Benefit and State Pension uprating detail where the Budget touches them.
- legislation.gov.uk — The statutory instruments that give effect to measures, once laid.
UKCalc will verify every announcement against the body that published it before treating it as established. Where a confirmed change moves a governed value, UKCalc will calculate the effect for defined scenarios and publish the working. Where a measure is announced without enough detail to compute, UKCalc will say so rather than estimate.
Work it out for yourself
Whatever changes, these are the tools the figures run through. Each states the statutory inputs it uses and the date they were last checked.
- Income Tax calculator — tax and National Insurance on your salary
- Take-home pay calculator — what actually reaches your account
- Stamp duty calculator — the tax on a property purchase
- Pension calculator — contributions, relief and retirement income
- UK rates and thresholds 2026/27 — the governed reference behind all of them
Original calculation-led work: UKCalc analysis. How the figures are produced: methodology.