UK salary & money calculators
Work out your real take-home pay, dodge the hidden tax traps and make smarter money decisions — all for the 2026/27 tax year, all calculated privately in your browser.
Take-home pay
Calculate your UK take-home pay after Income Tax, National Insurance, pension and student loan for the 2026/27 tax year. Includes bonus, overtime, salary sacrifice and Child Benefit.
NewTaxable income
Add up income from every source and see what HMRC can actually tax — total income minus your Personal Allowance, with the £100,000 taper, pension and Gift Aid handled properly.
NewWhere does your salary rank?
See where your salary sits among UK earners on official data — your percentile among full-time salaries and among all income-tax payers, plus what the top 10%, 5% and 1% really earn.
UniqueSalary sacrifice optimiser
See exactly how much to pay into your pension to escape the £100k personal-allowance taper and the £60k–£80k Child Benefit charge, and what it really costs. 2026/27 rates.
UniqueTwo-earner household
Work out your household take-home pay and the High Income Child Benefit Charge across two earners — and which partner should pay into a pension to avoid it.
Hourly wage
Turn your hourly rate and weekly hours into annual gross pay and UK take-home after tax, National Insurance, pension and student loan. 2026/27 tax year.
Required salary
Work backwards: enter the take-home you want and find the gross UK salary needed to earn it, after tax, NI, pension and student loan. 2026/27 rates.
Pro-rata salary
Calculate your pro-rata salary and take-home pay when changing to part-time hours, compared with the full-time figure. UK 2026/27 tax year.
Two jobs
See your combined take-home from two jobs, with National Insurance worked out per job and Income Tax on your total income. UK 2026/27 tax year.
UniqueIs it worth working more?
See what returning to work or extra hours really leaves you after tax, childcare and the Tax-Free Childcare and free hours you lose over £100,000.
UniqueMarginal rate rollercoaster
The real UK marginal tax rate at every income from £0 to £200,000 on one interactive chart — Income Tax, NI, student loan and the Child Benefit charge combined — and where you sit on it.
NewBonus tax
How much of a bonus you actually keep — income tax at your marginal rate, National Insurance worked out per pay period, student loan — and what sacrificing it into a pension saves.
Compare two salaries
Compare the real take-home pay of two UK salaries side by side and see exactly how much more you keep. 2026/27 tax year.
Compare tax years
See how your UK take-home pay changes between the 2025/26 and 2026/27 tax years — frozen thresholds, Scottish bands, student loans and Child Benefit.
UniqueSalary vs dividend
For limited-company directors: the most tax-efficient salary/dividend split across Corporation Tax, dividend tax and National Insurance — and what you keep.
UniqueISA vs Pension
Saving the same money either way, which leaves you better off after tax — a pension or a Stocks & Shares ISA? Weighs tax relief, the 25% tax-free lump sum, employer match and your retirement tax rate.
UniqueLump sum vs annuity
Offered a cash lump sum or a guaranteed income for life? Weigh them up with tax, inflation, investment returns and life expectancy — and see the break-even age.
Self-employed tax
For sole traders: your take-home after Income Tax and Class 4 National Insurance, how much to set aside for the bill, and what payments on account will cost.
UniqueEmployed vs self-employed
Work out the day rate you'd need to match a salary, or the salary a day rate is really worth — allowing for the employer pension, unpaid holiday and lost benefits.
UniqueSole trader vs limited company
Compare your take-home as a sole trader against a limited company on the same profit — Class 4 NI versus corporation tax and dividends — and where the crossover sits.
NewCorporation Tax
The corporation tax on your company profit — 19% small-profits rate, 25% main rate, marginal relief in between, and how associated companies shrink the thresholds.
UniqueDirector's pay planner
Salary, dividends and employer pension contributions in one planner — slide profit into the pension and watch the corporation tax and dividend tax fall away.
UniqueTrue cost of an employee
What hiring really costs — salary plus 15% employer NI, auto-enrolment pension and overheads — per year, per month, and per hour actually worked.
VAT calculator
Add VAT to a net price or take it out of a gross one — 20% standard or 5% reduced rate — with net, VAT and gross side by side.
UniqueFlat Rate Scheme vs standard VAT
Would the Flat Rate Scheme save you money? Compare both VAT bills on your own figures, including the 16.5% limited-cost-trader trap and the first-year discount.
NewSide hustle tax
Tax on eBay, Vinted, Etsy or freelance side income — the £1,000 trading allowance against real expenses, and what you owe at your marginal rate.
NewMaking Tax Digital: when do you join?
Check when MTD for Income Tax pulls you in — the £50k, £30k and £20k gross-income thresholds from April 2026 — and your quarterly deadlines for year one.
Maternity & sick pay
Estimate Statutory Maternity Pay and Statutory Sick Pay for 2026/27 and compare them with your normal earnings over the same period.
NewRedundancy pay
Statutory redundancy with the £751 capped week, plus the after-tax value of the whole package — the £30,000 tax-free rule, notice pay and holiday pay included.
Mortgage repayments
Work out monthly mortgage repayments, total interest and the cost over the full term for any UK repayment mortgage.
NewStamp duty
Stamp duty on a house purchase anywhere in the UK — SDLT, LBTT or LTT — with first-time buyer relief and the second-home surcharge. 2026/27 rates.
Personal loan
Calculate monthly repayments and the true cost of a personal loan or car finance at any APR and term.
Debt consolidation
Compare your current debts with a consolidation loan to see whether you would lower your monthly payment — and whether it costs more overall.
UniquePay debt or invest?
Should you overpay debt or invest the difference? This runs both strategies over the same budget and time horizon to show which leaves you better off.
UniqueStudent loan overpayment
UK student loans are written off after 25–40 years. See whether overpaying yours saves money or just pays down a balance that would be cancelled anyway.
Investment growth
Project how a lump sum and monthly contributions could grow with compound returns over time — for ISAs, pensions or general investing.
UniqueVolatility drag
Why a volatile 6% average pays less than a steady 6% — the gap between average and compound returns, and when the order of returns matters.
NewTax on savings interest
How much tax you'll pay on savings interest — the £1,000/£500 Personal Savings Allowance, the £5,000 starting rate, and how much you can earn tax-free.
NewCapital Gains Tax (shares)
Estimate the CGT when you sell shares or funds outside an ISA — the £3,000 allowance and the 18%/24% rates, with joint holdings handled per owner.
When can you retire?
The earliest age your money actually lasts — workplace pension with employer match, SIPPs, ISAs and savings, pension access rules and the State Pension — and what saving more each month does to the date.
NewFIRE: financial independence
Your FIRE number from annual spending and a withdrawal rate, the age you reach it, and the UK bridge check American tools skip — pensions locked until 57, ISAs in between, State Pension from 67.
NewCoast FIRE
The pot you need today for compound growth alone to fund retirement by your target age, no more saving required — and the age you cross the line if you're not there yet.
NewBarista FIRE
When part-time work becomes enough: the Barista number, the age the full two-phase plan actually holds, the ISA bridge before 57, and the State Pension years part-time work protects.
NewLean FIRE
Build a lean retirement budget line by line and get the number it implies, the age you reach it, and what every £100 a month of spending costs in pot and in working years.
NewFat FIRE: the real number after tax
Fat FIRE needs a bigger pot than spending ÷ withdrawal rate, because pension drawdown is taxed as income — see the true number for your spending and your pension/ISA mix.
Buy-to-let analyser
Model a rental deal after tax — yield, monthly cashflow, the lender interest-cover test, personal vs limited company, and a full projection with CGT on exit.
NewRental yield
Work out the gross and net rental yield on a UK buy-to-let, and the monthly income after running costs.
NewMortgage affordability
An indicative ceiling on what you could borrow and the property price it puts within reach, from your income and deposit.
NewTrue cost of buying
Every pound of cash you need to complete a UK house purchase — deposit, Stamp Duty and the fees that stack on top. 2026/27 rates.
NewCapital Gains Tax (property)
Estimate the CGT due when you sell a second home or buy-to-let in the UK, using 2026/27 residential rates (18%/24%) and the £3,000 allowance.
NewMortgage overpayment
See how monthly overpayments or a lump sum cut the interest and the years off your mortgage — or lower the monthly payment — with an early-repayment-charge check.
NewInterest-only vs repayment
Compare an interest-only mortgage with a repayment one — the monthly difference, the total interest, and the balance left owing at the end.
NewRent vs buy
Compare buying a home against renting and investing the difference — net worth side by side over time, with house growth and investment return you control.
UniqueProperty vs investing
Leveraged buy-to-let against a stocks-and-shares ISA over time — net worth side by side, with leverage, CGT and the ISA tax advantage laid out.
NewLBTT (Scotland)
Work out the Land & Buildings Transaction Tax on a Scottish property purchase — movers, first-time buyers and additional properties with the 8% supplement.
NewLTT (Wales)
Work out the Land Transaction Tax on a Welsh property purchase — main residential rates or the higher rates for additional properties.
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Every rate comes from GOV.UK and the House of Commons Library and is updated each tax year, and every calculation runs entirely in your browser — your figures are never sent anywhere. See exactly how we calculate →