2026/27 tax year
UK take-home pay calculators
Work out what you actually take home. Pick a calculator for your job, pay change or tax situation — every tool uses current HMRC, Scottish and Northern Ireland rates.
- Official 2026/27 rates
- Free, no sign-up
- Runs in your browser
Choose a starting point
Three quick routes into the directory — or keep scrolling for everything.
Pay & tax calculators
Start with your salary, then add pension, student loan and other deductions.
9 calculators
Take-Home Pay
Income tax, NI, pension and student loans in one place.
Scotland Take-Home
Scottish bands, from starter rate to top rate.
Northern Ireland
NI rates with the same UK-wide deductions.
Salary Comparison
Two offers or salaries, compared side by side.
Reverse Tax
Find the gross pay behind a target take-home.
Payslip Simulator
A monthly payslip with deductions and year-to-date.
Hourly to Salary
Convert an hourly rate to annual pay and take-home.
Minimum Wage
Check your rate against the 2026/27 legal minimum.
Tax Code Checker
Explain your code and what it means for your pay.
By profession
Sector-specific pay scales and pension rules.
7 calculators
NHS Salary
Agenda for Change bands and NHS Pension.
NHS Band 5 London
Band 5 pay with London weighting applied.
Teacher Salary
MPS and UPS pay with Teachers' Pension.
Teacher M1 Salary
Entry-point M1 take-home in England.
Police Salary
Constable payscales and police pension.
Locum Doctor
Session and day rates, umbrella vs Ltd.
Contractor
Inside vs outside IR35, Ltd vs umbrella.
Raises, bonuses & life events
See what a change in pay or circumstances does to your net.
9 calculators
Pay Rise
What a raise is actually worth after tax.
Bonus Tax
How much of a one-off bonus you keep.
Overtime
Extra hours at basic or enhanced rates.
Maternity & Sick Pay
SMP and SSP against your normal pay.
Pro-Rata Salary
Part-time and reduced-hours pay.
Two Jobs
Combined tax and NI across two jobs.
Redundancy Pay
Statutory redundancy pay, caps and eligibility.
Holiday Pay
Paid leave for regular and irregular hours.
Annual Leave
Work out entitlement, taken days and what is left.
Self-employed, property & specialist
Sole traders, dividends, property and cross-border rules.
8 calculators
Self-Employed Tax
Income tax and Class 4 NI for sole traders.
Self Assessment
Estimate your Self Assessment bill.
Dividend Tax
Tax on dividends above the allowance.
Capital Gains Tax
Gains on shares, property and other assets.
Stamp Duty (SDLT)
SDLT on a home purchase, including surcharges.
Mortgage Affordability
How much you might be able to borrow.
Overseas Workdays
Relief for eligible overseas workdays.
NHS vs Teacher Pension
Employer pension value side by side.
Quick reference
Pre-calculated figures — open any page for the full breakdown.
Take-home by salary
Profession snapshots
These pages show ready-made figures rather than an interactive calculator. Use the main calculator for a personalised result.
Student Loan Repayment Strategy
Overpay, wait for write-off, or switch plans?
Tax basicsTax Codes Explained
From 1257L to K codes, in plain English.
PensionsPension Tax Relief
Net pay, relief at source and salary sacrifice.
Income taxScottish vs English Tax
What actually changes north of the border.
PayslipsUnderstanding Your Payslip
Every line, deduction and YTD figure explained.
AllowancesMarriage Allowance
Transfer your allowance and save up to £252.
Calculators use 2026/27 HMRC, Scottish and Northern Ireland rates. For guidance only — not financial advice.