UK Calculators · 2026/27 tax year
Free UK calculators for salary, tax and pay
Work out your take-home pay, salary sacrifice savings, pension contributions and more — in seconds, with no sign-up.
Built on published HMRC and gov.scot rates for the 2026/27 tax year.
Popular calculators
Most-used tools on the platform
UK Salary Sacrifice Calculator
See how sacrificing salary for a pension or similar benefit affects your take-home pay, Income Tax and National Insurance.
CalculatePopularSalary & Take-Home PayUK Take-Home Pay Calculator
Enter your salary, paid annually, monthly, four-weekly or weekly, and see your Income Tax, National Insurance and net pay.
CalculatePopularSalary & Take-Home PayHourly Wage Calculator UK
Convert an hourly rate into weekly, monthly and annual take-home pay, and check it against the National Minimum Wage.
CalculateExplore by category
Browse calculators grouped by the kind of question they answer.
Salary Sacrifice & Pensions
Sacrifice or exchange salary for a pension, car or other benefit.
4 calculators
Salary & Take-Home Pay
Convert gross pay into take-home pay, from an annual salary or hourly rate.
6 calculators
Tax & Allowances
Work out how your income affects tax-free allowances and thresholds.
3 calculators
Loans & Personal Finance
Work out the cost of borrowing, and how much overpaying could save you.
9 calculators
Business & Company Finance
Work out Corporation Tax and profit margins for limited companies and other businesses.
2 calculators
Everyday Costs
Estimate everyday costs that aren't tax or salary related.
1 calculator
NHS Staff
Pay, pension and annual leave calculators for NHS staff on Agenda for Change.
2 calculators
All calculators
27 calculators available
UK Salary Sacrifice Calculator
See how sacrificing salary for a pension or similar benefit affects your take-home pay, Income Tax and National Insurance.
CalculateSalary Sacrifice & PensionsSalary Sacrifice Pension Calculator
A pension-only version of the salary sacrifice calculator: see the tax and National Insurance saving from sacrificing salary into your workplace pension.
CalculateSalary & Take-Home PayUK Take-Home Pay Calculator
Enter your salary, paid annually, monthly, four-weekly or weekly, and see your Income Tax, National Insurance and net pay.
CalculateSalary & Take-Home PayHourly Wage Calculator UK
Convert an hourly rate into weekly, monthly and annual take-home pay, and check it against the National Minimum Wage.
CalculateTax & AllowancesAdjusted Net Income Calculator
Work out your adjusted net income, and what it means for your Personal Allowance taper and the High Income Child Benefit Charge.
CalculateSalary Sacrifice & PensionsSalary Exchange Calculator
Salary exchange is another name for salary sacrifice: see the tax and National Insurance saving from exchanging salary for a pension contribution.
CalculateSalary Sacrifice & PensionsSalary Sacrifice Car Calculator
See the real Income Tax, National Insurance and Benefit-in-Kind cost of an electric or low-emission car salary sacrifice scheme.
CalculateLoans & Personal FinanceLoan Overpayment Calculator
See how much interest you could save, and how much sooner you'd be debt-free, by overpaying a loan or mortgage.
CalculateLoans & Personal FinanceEquity Release Calculator
See a broad illustrative estimate of how much you could release from your home, and how a lifetime mortgage balance grows as interest rolls up.
CalculateLoans & Personal FinanceShared Ownership Calculator
See the monthly mortgage, rent and service charge cost of buying a share of a home through Shared Ownership.
CalculateLoans & Personal FinanceBuy-to-Let Mortgage Calculator
Work out the monthly cost of a buy-to-let mortgage, your rental yield, and whether the rent clears a lender's affordability stress test.
CalculateLoans & Personal FinanceSelf Build Mortgage Calculator
Plan your own stage drawdown schedule and see the interest-only cost during the build, plus the mortgage payment after it converts to a standard repayment mortgage.
CalculateSalary & Take-Home PayPart-Time Salary Calculator
Convert a full-time equivalent salary into a pro-rata part-time salary based on your hours, and see your part-time take-home pay after tax.
CalculateSalary & Take-Home PaySalary Increase Calculator
See how a pay rise affects your take-home pay after Income Tax and National Insurance. Enter a percentage, a £ amount, or your new salary.
CalculateBusiness & Company FinanceCorporation Tax Calculator UK
Work out UK Corporation Tax on your limited company's profit, including Marginal Relief between the Small Profits Rate and Main Rate.
CalculateBusiness & Company FinanceGross Profit Calculator
Work out your gross profit and gross profit margin from revenue and cost of goods sold.
CalculateLoans & Personal FinanceRent Affordability Calculator UK
See what percentage of your take-home pay a rent goes on, checked against the commonly-cited 30% affordability threshold.
CalculateLoans & Personal FinanceLand Registry Fees Calculator
Look up the HM Land Registry registration fee for buying, transferring or remortgaging a property, for both paper and electronic applications.
CalculateLoans & Personal FinanceRental Income Tax Calculator UK
Work out Income Tax on your rental profit, including the £1,000 Property Allowance and the 20% mortgage interest tax reduction.
CalculateLoans & Personal FinanceProperty Transaction Tax Calculator (SDLT, LTT & LBTT)
Work out Stamp Duty Land Tax (England & NI), Land Transaction Tax (Wales), or Land and Buildings Transaction Tax (Scotland) on a property purchase.
CalculateSalary & Take-Home PayCompany Car Tax Calculator UK
Work out the Benefit-in-Kind tax on a company car, and how much it reduces your take-home pay — no salary sacrifice required.
CalculateTax & AllowancesPension Withdrawal Tax Calculator
See how much tax you'll pay taking money out of your pension, including the 25% tax-free lump sum and emergency tax.
CalculateTax & AllowancesPension Carry Forward Calculator
Work out how much unused Annual Allowance from the last 3 tax years you can carry forward for a bigger pension contribution this year.
CalculateSalary & Take-Home PaySelf-Employed Income Tax Calculator
Work out Income Tax, Class 4 and Class 2 National Insurance on your self-employment profit, including the £1,000 Trading Allowance.
CalculateEveryday CostsLondon Taxi Fare Calculator
Estimate a London black cab fare range using TfL's own published typical fares, for your journey distance, tariff and time of day.
CalculateNHS StaffNHS Pay Calculator
See your NHS take-home pay by Agenda for Change band and pay point, including London weighting and NHS Pension contributions, for all four UK nations.
CalculateNHS StaffNHS Annual Leave Calculator
Work out your NHS annual leave entitlement by length of service, pro-rated for part-time hours, for all four UK nations.
CalculateSalary sacrifice calculator
Salary sacrifice is the calculator this site was originally built around, and it's still the one most people land on first. Rather than showing a single number, it runs your salary through the Income Tax and National Insurance rules twice, once as your ordinary salary and once with your chosen sacrifice taken out, so you can see exactly how much your take-home pay falls by, not just the amount you're giving up.
Enter a gross salary and either a fixed amount or a percentage to sacrifice, for a pension contribution, Cycle to Work scheme or similar qualifying benefit, and it works out your Income Tax, National Insurance and net pay both before and after, using this year's actual bands rather than a flat estimate. It also flags when a sacrifice would restore part of a tapered Personal Allowance, or push your cash pay too close to the National Minimum Wage.
If you're deciding whether to increase a pension contribution through salary sacrifice, or just want to understand what a scheme your employer has offered would actually cost you, this is the calculator built for that question.
UK Salary Sacrifice Calculator
See how sacrificing salary for a pension or similar benefit affects your take-home pay, Income Tax and National Insurance.
How UK take-home pay works
Every calculator on this site is really doing the same three sums underneath: work out your Income Tax, work out your National Insurance, then subtract both, plus anything else like a student loan repayment, from your gross pay. The part that trips most people up is that neither Income Tax nor National Insurance is a single flat percentage. Both are charged in bands, and the bands aren't even the same across the UK.
Income Tax bands for 2026/27
In England, Wales and Northern Ireland, the first £12,570 you earn is tax-free, your Personal Allowance. Above that, you pay 20% up to £50,270, 40% between £50,271 and £125,140, and 45% on anything higher. Scotland runs a six-band system instead of three, starting at 19% and reaching 48% on income over £125,140, so two people earning an identical salary either side of the border can end up with a noticeably different take-home figure. Use the region selector on the take-home pay calculator to see the difference for your own salary.
National Insurance
National Insurance is worked out separately from Income Tax, on the same gross salary. Employees pay 8% on earnings between £12,570 and £50,270, then 2% above that. Employers pay their own share too, 15% above a lower £5,000 threshold, which doesn't show up on your payslip directly but is a big part of why so many employers are happy to run pension salary sacrifice schemes: they save National Insurance as well as you.
The Personal Allowance taper, sometimes called the “60% tax trap”
Once your income passes £100,000, your Personal Allowance starts shrinking, £1 lost for every £2 earned above that threshold, until it disappears completely at £125,140. Because you're paying 40% tax and losing tax-free allowance at the same time, the effective rate on that slice of income works out closer to 60%. It's one of the odder quirks of the UK tax system, and it's exactly why a pension contribution or salary sacrifice arrangement that brings your income back under £100,000 can be worth more than the headline tax saving suggests. The adjusted net income calculator is built specifically for working this out.
Student loans and other deductions
If you have a student loan, it's repaid at 9% of everything you earn above your plan's threshold (6% for a Postgraduate Loan), taken automatically through payroll alongside tax and National Insurance. The threshold depends on which plan you're on, Plan 1, 2, 4, 5 or Postgraduate, and they're genuinely different from each other, which catches people out more often than you'd expect.
None of this is quick to work out by hand, which is the reason this site exists: pick the calculator that matches your situation, enter your own numbers, and get the actual figure rather than a rough guess.
Why use these calculators
Clear
Straightforward results with no jargon, no clutter and no unnecessary steps.
Instant
Results update as you type. No account, no email address, no sign-up required.
Built for real life
Every calculator is built around a question people actually ask about their pay.
Transparent
Every rate and threshold used is listed with its official source on each calculator page.
Trust and methodology
Every calculator on this site is built from published UK tax rules, and each calculator page lists the exact rates and thresholds it uses, with links to the official source. Results are estimates for general guidance, and important financial decisions should always be checked independently. Read more in About & methodology.
This is an estimate, not financial or tax advice.
Figures are calculated from published HMRC and gov.scot rates and thresholds for the 2026/27 tax year. This calculator is independently built and is not affiliated with, or endorsed by, HMRC or the UK Government. It assumes a single, stable salary with no other income, and does not account for every personal circumstance (such as Marriage Allowance, Gift Aid, or benefits in kind). For advice on your own situation, speak to your employer's payroll team, a regulated financial adviser, or HMRC directly. See the full disclaimer.
Frequently asked questions
What calculators are available?
Salary sacrifice, salary sacrifice pension, salary exchange, salary sacrifice car, take-home pay, hourly wage, and adjusted net income calculators, all built around UK pay and tax rules for the 2026/27 tax year. See the full list on the calculators page, or use the search box above to find one quickly.
Are the calculators free?
Yes, every calculator on this site is completely free to use, with no limit on how many times you use it.
Do I need an account?
No. There's no sign-up, no login and no email address needed. Enter your numbers and get an instant result.
How are the calculations performed?
Each calculator uses published HMRC and gov.scot rates and thresholds for the current tax year, run through a tested calculation engine shared across the site. Every rate used is listed with its official source on the relevant calculator page.
Can I use the calculators on mobile?
Yes. Every calculator is designed to work on phones, tablets and desktop browsers alike.
Which calculator should I use?
If you just want to know what lands in your bank account from a salary, use the take-home pay calculator. If you're weighing up giving up salary for a pension, Cycle to Work scheme or similar benefit, use the salary sacrifice calculator (salary exchange is the same thing under a different name). Paid by the hour rather than a fixed salary? Start with the hourly wage calculator instead, since it converts your rate into an annual figure first.
Do these calculators work if I live in Scotland?
Yes. Every calculator that touches Income Tax lets you select Scotland as your tax region, and uses the actual six-band Scottish system rather than applying the England, Wales and Northern Ireland bands by mistake. National Insurance and student loan rules are the same across the whole of the UK, so those parts of the calculation don't change.
How often are the calculators updated?
Whenever HMRC or gov.scot publish new rates, usually around the start of a new tax year in April. Every calculator currently uses confirmed 2026/27 figures, and the sources they're taken from are listed on the About & methodology page.