Cross-border tax estimate

Since you hold both passports, the US taxes you on worldwide income no matter where you live. This works out the treaty relief (foreign tax credit) and the Foreign Earned Income Exclusion so the same income isn't counted twice. Figures are UK 2025/26 and US 2025 tax years.

Your situation

This drives which income the UK taxes and whether the Foreign Earned Income Exclusion is available.

US filing status
Affects US brackets and standard deduction
Elect Foreign Earned Income Exclusion
Excludes up to $130,000 of UK earned income from the US return. Only ever helps — try both ways.
Exchange rate — USD per £1
Check today's GBP/USD rate and update this

Income

UK-source amounts in pounds, US-source amounts in dollars — enter each in its own currency, Stacie converts for you.

UK-source (£)
US-source ($)
Earned income
Employment or self-employment
£
$
Rental / property income
£
$
Interest / savings
£
$
Dividends
£
$

Income from anywhere else. Taxed by the US always; by the UK only if you're UK resident. No treaty credit is modelled for this line — convert to USD first.

$

Property — what to expect

Not a calculator — the rules are too jurisdiction-specific for one number. This is what to plan around.

If you own in the UK

  • Stamp Duty Land Tax on purchase — see the SDLT calculator on uktaxmate for your exact figure, including the non-resident surcharge if it applies.
  • Rental income is taxed as UK property income; non-resident landlords can have tax withheld at source unless HMRC approves gross payment.
  • Capital Gains Tax applies on sale, including for non-residents, at the UK residential property rates.
  • As a US citizen you'll also report the same rental income and any gain on your US return — the credit logic above covers the rental income; gains aren't modelled here.

If you own in the US

  • Property tax is set locally and varies enormously by state and county — there's no single US rate to quote.
  • Rental income and expenses (including depreciation) are reported on your US return; depreciation is "recaptured" and taxed on sale.
  • If UK resident, that same rental income is also taxable in the UK, with credit relief for US tax paid — covered above.
  • State income tax on the rental profit may apply depending on the property's state, separately from federal tax.
Combined position
$0
Estimated combined tax owed after treaty relief
In GBP
£0
Effective rate
0%
Before treaty relief
$0
Relief saved
$0

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UK — Income Tax
US — Federal Income Tax
What this doesn't cover — read before relying on it

This is a simplified planning estimate, not a filing-ready calculation. It doesn't model UK National Insurance, US FICA or self-employment tax, US state income tax, the UK's 4-year Foreign Income & Gains regime, capital gains, or the official IRS Form 1116 income-basket rules. The Net Investment Income Tax is included but gets no foreign tax credit, matching the common real-world position. NIIT assumes rental income is passive. It's built for this specific situation and isn't tax advice. Please confirm your position with a cross-border tax adviser before filing or making decisions.