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.
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.
UniqueSee 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.
UniqueWork 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.
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.
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.
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.
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.
UniqueSee 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.
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.
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.
UniqueFor limited-company directors: the most tax-efficient salary/dividend split across Corporation Tax, dividend tax and National Insurance — and what you keep.
UniqueSaving 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.
UniqueOffered 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.
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.
UniqueWork 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.
Work out monthly mortgage repayments, total interest and the cost over the full term for any UK repayment mortgage.
Calculate monthly repayments and the true cost of a personal loan or car finance at any APR and term.
Compare your current debts with a consolidation loan to see whether you would lower your monthly payment — and whether it costs more overall.
UniqueShould 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.
UniqueUK 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.
Project how a lump sum and monthly contributions could grow with compound returns over time — for ISAs, pensions or general investing.
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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 →