Know exactly what you'll take home.
Free, instant UK tax calculators. Updated for the 2025/26 tax year using the latest HMRC bands, National Insurance rates and student loan thresholds. No sign-up. No data leaves your browser.
All calculators
Take-home pay calculator
Enter your salary and see exactly what lands in your account each month after Income Tax, National Insurance, student loan and pension.
Tax code checker
Decode any UK tax code — 1257L, K codes, BR, D0, 0T, S and C prefixes, W1/M1 emergency basis — and see exactly what it means for your take-home pay.
Hourly to salary
Convert an hourly rate to an annual salary (or vice-versa). Account for part-time hours, holiday and overtime.
VAT calculator
Add or remove VAT at 20%, 5% or any custom rate. Useful for invoices, receipts and reclaim.
Day rate / IR35
Compare your take-home as a contractor inside vs outside IR35. Estimate annual income, corp tax and dividends.
Pension projection
Project your retirement pot from current contributions, employer match and expected returns. See real-terms value.
Salary sacrifice calculator
See tax and NI saved at any sacrifice rate, with cost per £100 to pension across all UK income bands.
Pension impact calculator
Model any pension contribution % against your take-home — sacrifice vs net pay vs relief at source.
Bonus tax calculator
Marginal-rate maths on any UK bonus — Income Tax, NI, student loan, £100k taper and optional pension sacrifice.
Overtime calculator
Net pay per overtime hour at any multiplier. See effective hourly rate after Income Tax + NI.
Student loan calculator
Monthly + annual deduction for Plan 1, 2, 4, 5 and Postgraduate Loan. Multi-plan supported.
Redundancy pay
Statutory UK redundancy pay based on age, length of service and weekly pay. 2026/27 cap applied automatically.
Marriage allowance checker
Check if you can claim the £252 marriage allowance — transferable personal allowance between spouses/civil partners.
Guides
Plain-English explainers from our editorial team, sourced from HMRC and reviewed every quarter:
- How to read your UK payslip properly — every section explained, plus a five-minute monthly review checklist to spot payroll errors.
- Why your take-home pay changes month to month — twelve reasons your net pay swings even on a steady salary, and what to do about each.
UK 2025/26 tax rates at a glance
Use the table below as a quick reference. All calculators on this site apply these bands automatically. Scotland has a separate set of rates for non-savings, non-dividend income, which the take-home calculator can switch to.
Income Tax (rest of UK)
| Band | Income range | Rate |
|---|---|---|
| Personal allowance | £0 – £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | £125,140+ | 45% |
Personal allowance reduces by £1 for every £2 of income above £100,000, reaching zero at £125,140 — creating an effective 60% marginal rate in that band.
National Insurance (Class 1 employees)
| Earnings band | Rate |
|---|---|
| Below £12,570 | 0% |
| £12,570 – £50,270 | 8% |
| Above £50,270 | 2% |
Scottish Income Tax
| Band | Income range | Rate |
|---|---|---|
| Starter | £12,571 – £14,876 | 19% |
| Basic | £14,877 – £26,561 | 20% |
| Intermediate | £26,562 – £43,662 | 21% |
| Higher | £43,663 – £75,000 | 42% |
| Advanced | £75,001 – £125,140 | 45% |
| Top | £125,140+ | 48% |
How accurate are these calculators?
Each tool implements the published HMRC bands and thresholds for 2025/26 and applies them in the same order a real payroll system would: personal allowance (with high-income taper), Income Tax bands, employee National Insurance, and any selected student loan plan. Pension contributions can be modelled as relief at source, net pay or salary sacrifice.
Results are an estimate. They don't account for benefits in kind, marriage allowance transfers, blind person's allowance edge cases (where toggled), tax codes other than the standard, or share-scheme income. For tax advice on your specific situation, speak to a qualified accountant.
Common questions
What is take-home pay?
Take-home pay (also called "net pay") is your salary after Income Tax, National Insurance and any other deductions like pension contributions or student loan repayments have been taken off. It's the figure that actually arrives in your bank account on payday.
Why does my pay drop above £100,000?
From £100,000 your personal allowance starts being withdrawn — £1 for every £2 you earn over the threshold. Combined with the 40% higher rate, this creates an effective marginal tax rate of 60% on income between £100,000 and £125,140. Pension contributions are a common way to bring your "adjusted net income" back below £100,000.
Are these calculators free to use?
Yes — completely free, no sign-up, and your inputs never leave your browser. The site is supported by adverts and we don't store or share any of the figures you enter.
Will the figures change for 2026/27?
The Income Tax personal allowance and higher-rate threshold are currently frozen until April 2028 under the current government's plans. Other thresholds (NI, student loans, statutory redundancy cap) are reviewed each year. We update the calculators when HMRC publishes new figures, usually in March before the new tax year starts on 6 April.