UK Take-Home Pay Calculator
2026/27 Tax Year
About Us

Built for UK Workers, by UK Workers

We built this calculator because the existing tools were either outdated, oversimplified, or hidden behind paywalls. Every UK earner deserves clear, accurate answers about their pay.

100%
Free forever
2026/27
HMRC rates
5 Plans
Student loan support
PAYE + SE
Both employment types

Our Mission

UK tax is genuinely complicated. Between income tax bands, National Insurance, student loan plans 1 through 5, pension salary sacrifice optimisation, and the 60% tax trap — most salary calculators skim the surface.

We set out to build the most comprehensive free tool available: one that handles every edge case, explains every deduction, and helps you make smarter decisions about your money.

We update the calculator every April when HMRC publishes new thresholds, and immediately after any mid-year Budget announcements that affect take-home pay.

Accuracy First
Every calculation is cross-referenced against HMRC's official guidance and tested against real payslips.
Privacy by Design
All calculations happen in your browser. We never collect, store or transmit your salary or personal data.
Always Free
No sign-up, no premium tier, no ads cluttering the results. Just a clean, fast calculator.
Always Up To Date
We track HMRC announcements and update thresholds within 24 hours of any change.

What the Calculator Covers

Every deduction and scenario a UK worker might face — in one place.

PAYE Employees
  • • Income Tax (all bands incl. 60% trap)
  • • National Insurance Class 1
  • • Salary Sacrifice pension
  • • Relief at Source pension
  • • Annual bonus modelling
  • • 12-month cashflow table
Self-Employed
  • • Class 4 National Insurance
  • • Allowable expense deductions
  • • Personal pension contributions
  • • Payments on Account calculator
  • • Monthly savings target
  • • Self Assessment guidance
Student Loans
  • • Plan 1 (pre-2012 England/Wales)
  • • Plan 2 (2012–2023)
  • • Plan 4 (Scotland)
  • • Plan 5 (from Sep 2023)
  • • Postgraduate Loan (6%)
  • • 30-year endgame modeller

Guidance Only — Not Financial or Tax Advice

This calculator is provided for general guidance purposes only. Calculations are based on standard HMRC rules and do not account for individual tax codes, complex circumstances, or personal financial situations. Always consult a qualified accountant or financial adviser for advice specific to your situation. Sources: HMRC, Student Loans Company, GOV.UK.