Break your annual Council Tax bill into monthly payments and calculate the effect of discounts, exemptions and reductions.
Council tax bands in England are based on what a property was worth on 1 April 1991, not on its value today: band A up to £40,000 through to band H above £320,000. The band is set nationally but the bill is set by your local council, so identical homes in different areas pay different amounts in the same band. A single adult living alone gets a 25% discount, and households where everyone is disregarded — all full-time students, for example — can pay nothing.
The figures behind this calculator. See the council tax band ratios used in this estimate, each with its official source and the date UKCalc last checked it, on the 2026/27 rates and thresholds UKCalc uses.
The eight bands use fixed ratios based on Band D. If you know your Band D rate, multiply by the ratio below to find the amount for any band. The ratios are set by law and are the same across England.
| Band | 1991 property value (England) | Ratio to Band D | Example at £2,200 Band D |
|---|---|---|---|
| A | Up to £40,000 | 6/9 (0.667×) | £1,467 |
| B | £40,001 – £52,000 | 7/9 (0.778×) | £1,711 |
| C | £52,001 – £68,000 | 8/9 (0.889×) | £1,956 |
| D | £68,001 – £88,000 | 1.000× | £2,200 |
| E | £88,001 – £120,000 | 11/9 (1.222×) | £2,689 |
| F | £120,001 – £160,000 | 13/9 (1.444×) | £3,178 |
| G | £160,001 – £320,000 | 15/9 (1.667×) | £3,667 |
| H | Over £320,000 | 18/9 (2.000×) | £4,400 |
These valuations were set in 1991 and have never been updated in England. The current market value of your property has no direct effect on your band. Many properties that were in lower bands in 1991 are now worth several times more than properties that were in higher bands at that time.
The most widely claimed discount. If you live alone, or if all other adults in your home are disregarded, you pay 25% less. To claim, contact your local council and tell them you are the only liable adult. The discount is backdated to when the situation began if you apply within a reasonable period.
Full-time students are not counted as adults for Council Tax purposes. A property where all adults are students is completely exempt. If you live with a non-student partner, the property is not exempt — but if the student is the only other adult, the non-student can claim the 25% single person discount because the student is disregarded.
Adults who have a severe mental impairment (such as advanced dementia or severe learning disability) are permanently disregarded. A property where all adults are severely mentally impaired is exempt; otherwise, the remaining non-disregarded adult can claim the 25% discount if they would otherwise be alone.
If you are on a low income or receiving certain benefits, your local council may reduce your bill. Pension-age households often receive up to 100% reduction. Working-age households receive varying reductions — the scheme differs by council since 2013. You must apply to your own council. Do not assume you will be enrolled automatically, even if you claim Universal Credit, though many councils check DWP data to identify potential claimants.
Band boundaries, discounts and what this calculator can and cannot know. Official figures last checked on 2 September 2026.
Official figures this calculator applies
UKCalc assumptions — not official figures
Jurisdiction. Band boundaries differ in Scotland and Wales, and Northern Ireland uses domestic rates rather than council tax. Council Tax Reduction schemes are set locally in England and nationally in Scotland and Wales. Check your own band and bill via GOV.UK: How Council Tax bands are assessed.