Find out exactly what lands in your bank account. Enter your salary and we’ll break down your Income Tax, National Insurance, student loan and pension — annually, monthly and weekly.
2026/27 tax year · England, Wales & Northern Ireland
Purpose-built tools for tax, pay, property and savings — each updated with the latest 2026/27 figures from HMRC and GOV.UK. Pick a calculator to get started.
Turn an annual salary into monthly, weekly, daily and hourly take-home pay.
Open calculator →See exactly how much tax you owe across the basic, higher and additional bands.
Open calculator →Class 1 employee NI at the 2026/27 8% and 2% rates, plus employer NI.
Open calculator →Work out monthly repayments, total interest and how much you could borrow.
Open calculator →Compare rates and terms to see how the monthly cost changes.
Open calculator →Calculate Stamp Duty on your purchase, including first-time buyer relief.
Open calculator →Add or remove 20% VAT and see the net, VAT and gross amounts instantly.
Open calculator →Project your pension pot with contributions, employer match and tax relief.
Open calculator →Estimate your statutory redundancy entitlement by age and years of service.
Open calculator →Estimate CGT on shares and property after the 2026/27 £3,000 allowance.
Open calculator →Income Tax and Class 4 NI on your self-employment profits.
Open calculator →Convert a gross salary into net take-home after tax, NI, student loan and pension.
Open calculator →Turn an hourly rate and weekly hours into weekly, monthly and annual take-home pay.
Open calculator →Time-and-a-half, double time or a custom rate, with your weekly and annual total.
Open calculator →See the tax and NI on a work bonus stacked on your salary — and what you keep.
Open calculator →Monthly and yearly repayments for Plan 1, 2, 4, 5 and Postgraduate loans.
Open calculator →Tax on dividends using the £500 allowance and the 10.75%/35.75%/39.35% rates.
Open calculator →Estimate IHT with the £325k nil-rate band, £175k residence band and 40% rate.
Open calculator →Check if you can transfer £1,260 of allowance and save up to £252 a year.
Open calculator →See how sacrificing salary into a pension saves both Income Tax and National Insurance.
Open calculator →The tax relief and real net cost of a pension payment, including higher-rate relief.
Open calculator →Benefit-in-Kind on a company car from its P11D value, CO2 band and your tax rate.
Open calculator →How a workplace pension contribution changes your net pay, and its real cost.
Open calculator →Combined take-home from two jobs and the tax on your second job's pay.
Open calculator →What overtime really adds after tax and NI at your marginal rate.
Open calculator →Specialist take-home calculators for NHS, teaching and medical careers — with the right pay scales and pension schemes built in for 2026/27.
Agenda for Change band and point to take-home, with the tiered NHS pension.
Open calculator →Teaching pay scale and region to net pay, with Teachers' Pension contributions.
Open calculator →Resident doctor grade plus banding to take-home, after tax, NI and pension.
Open calculator →Rank and pay point to take-home, with the police pension built in.
Open calculator →Firefighter role and pay point to net pay, with the firefighters' pension.
Open calculator →Army, RAF or Navy rank to take-home — the AFPS pension is non-contributory.
Open calculator →Grade from AA to SCS to net pay, with the alpha pension contribution.
Open calculator →Hourly rate, hours and overtime to your real take-home pay.
Open calculator →Run a limited company or contract through your own business? Work out Corporation Tax, dividends and the most tax-efficient way to pay yourself.
Company tax at the 19% small profits and 25% main rates, with marginal relief.
Open calculator →Net pay through a limited company on a day rate, with salary plus dividends.
Open calculator →Convert a day rate into annual turnover, an equivalent salary and take-home.
Open calculator →Compare inside vs outside IR35 take-home on the same day rate.
Open calculator →Net pay through an umbrella after margin, employer NI and the levy.
Open calculator →The most tax-efficient salary and dividend split for a company director.
Open calculator →Income Tax, Class 4 NI and the £1,000 trading allowance for freelancers.
Open calculator →What you'd pay on the VAT Flat Rate Scheme and the surplus you keep.
Open calculator →From landlord and crypto tax to turning a pension pot into income — the tax and retirement tools that go beyond the basics.
Tax on rental profit at your marginal rate, with the 20% mortgage interest credit.
Open calculator →Capital Gains Tax on crypto after the £3,000 allowance, at 18% and 24%.
Open calculator →Monthly Plan 2 repayments at 9% above the £29,385 threshold.
Open calculator →Forecast your new State Pension from your qualifying NI years.
Open calculator →Turn a pension pot into a guaranteed annual income, level or inflation-linked.
Open calculator →See how long your pension pot lasts with flexible income and growth.
Open calculator →Your 25% tax-free cash and the Income Tax on a pension withdrawal.
Open calculator →The HICBC clawback on Child Benefit above £60,000, and what you keep.
Open calculator →Tax on savings interest using your Personal Savings Allowance.
Open calculator →Capital Gains Tax on shares and funds after the £3,000 allowance.
Open calculator →What a charity reclaims on your donation, plus your higher-rate relief.
Open calculator →Benefit-in-Kind tax from the P11D value, CO2 band and fuel benefit.
Open calculator →The tax and NI you save by sacrificing salary into your pension.
Open calculator →Cash now vs paying your bonus straight into your pension, tax-free.
Open calculator →Your net pay after tax, NI and your Plan 1, 2, 4, 5 or PGL loan.
Open calculator →Work backwards from the take-home you want to the gross salary needed.
Open calculator →Self-employed National Insurance — Class 4 at 6% and 2% on your profits.
Open calculator →Your net pay after Income Tax and National Insurance, month by month.
Open calculator →The salary you need to cover your living costs in your area, after tax.
Open calculator →Holiday pay for irregular and part-year workers at 12.07% of hours worked.
Open calculator →Plan a savings goal, grow a tax-free ISA, or work out the true cost of borrowing — every tool runs instantly in your browser.
See how a lump sum and regular deposits grow with daily to yearly compounding.
Open calculator →Plan a savings goal from a starting balance, monthly deposits and an interest rate.
Open calculator →Project your tax-free ISA within the £20,000 allowance — cash or stocks & shares.
Open calculator →Monthly repayments, total interest and full cost from amount, APR and term.
Open calculator →Repayments and total cost on an unsecured personal loan by amount, APR and term.
Open calculator →HP or PCP monthly payments, total cost and interest, including a balloon payment.
Open calculator →Project the 25% government bonus on a LISA for a first home or retirement.
Open calculator →Grow a child's tax-free pot within the £9,000 allowance and see it at age 18.
Open calculator →Work out the 25% bonus on an existing Help to Buy ISA, up to £3,000.
Open calculator →Estimate your expected tax-free winnings and compare with a savings account.
Open calculator →The real interest on a monthly regular saver — and why it's about half the headline.
Open calculator →Interest and maturity value of a fixed-term savings bond, annual or monthly.
Open calculator →Add up your assets, subtract your debts, and see your total wealth at a glance.
Open calculator →From how much you can borrow to whether to remortgage — the property tools that go beyond the basic monthly repayment.
How much could you borrow? Based on income multiples plus your deposit.
Open calculator →Compare your current rate with a new one to see the monthly and total saving.
Open calculator →Work out your LTV ratio, equity and the rate band you fall into.
Open calculator →Monthly interest-only cost, capital still owed, and how it compares with repayment.
Open calculator →Interest-only payments, gross and net rental yield, and the lender's ICR check.
Open calculator →See the interest and years you save by overpaying your mortgage each month.
Open calculator →Gross and net rental yield on a buy-to-let from the price, rent and running costs.
Open calculator →Stamp Duty on a second home or buy-to-let, including the 5% surcharge.
Open calculator →Capital Gains Tax on selling a second home or BTL at the 18% and 24% rates.
Open calculator →Estimate the tax-free cash you could release from your home with a lifetime mortgage.
Open calculator →Compare the monthly cost of renting against buying — and the cash you'd need.
Open calculator →First-time buyer stamp duty relief — no SDLT up to £300,000.
Open calculator →How much you could borrow at 4.5× income, with your deposit and budget.
Open calculator →Make the most of your tax-free allowances and get VAT right — the reliefs and thresholds that decide how much tax you really pay in 2026/27.
How much of your dividends is tax-free under the £500 allowance, and the tax above it.
Open calculator →Your £1,000, £500 or £0 tax-free interest band and the tax on savings above it.
Open calculator →Earn up to £7,500 tax-free from a lodger — and the tax if you go over.
Open calculator →Tax relief on business equipment via the £1m AIA or 18% writing down allowance.
Open calculator →Check if your turnover crosses the £90,000 VAT threshold, and your headroom.
Open calculator →VAT on the profit margin of second-hand goods, cars, antiques and art.
Open calculator →Import VAT, customs duty and the total landed cost of goods brought into the UK.
Open calculator →Your allowance and net pay from any tax code — 1257L, BR, D0 or a K code.
Open calculator →The most tax-efficient salary and dividend split for a company director.
Open calculator →Stay inside your pension limits, and run the numbers on shared ownership, buy-to-let and bridging finance — for 2026/27.
Your £60,000 limit, the high-income taper and any annual allowance charge.
Open calculator →Unused allowance from the last three years and your total headroom this year.
Open calculator →Compare the projected tax-free growth of a Cash ISA and a Stocks & Shares ISA.
Open calculator →Gross yield, net yield and cash-on-cash return on a buy-to-let property.
Open calculator →Your real monthly cost — mortgage on your share plus rent and service charge.
Open calculator →Monthly repayment and total cost of a second charge secured loan on your home.
Open calculator →Rolled-up interest, fees and the total cost of short-term bridging finance.
Open calculator →Scotland and Wales set their own taxes. Work out Scottish and Welsh Income Tax, Scotland's LBTT stamp duty, and UK import tax for 2026/27.
Scotland's six bands — starter 19% to top 48% — split out line by line.
Open calculator →Welsh rates for 2026/27 — currently the same as England — band by band.
Open calculator →Land & Buildings Transaction Tax with first-time buyer relief and 8% ADS.
Open calculator →Duty and import VAT on goods, with the £135 low-value threshold rule.
Open calculator →From trades to the professions — turn your salary into take-home pay after tax, National Insurance, pension and student loan for 2026/27.
Salary to take-home, with rest-day working and pension on the railway.
Open calculator →Employed or self-employed electrician pay to your real take-home.
Open calculator →Qualified and gas-registered plumber salary to net pay after tax and NI.
Open calculator →Trainee to partner — salary to take-home, with bonuses and the £100k trap.
Open calculator →NQ to partner pay to take-home, across high-street and City firms.
Open calculator →NHS Band 5–7 paramedic salary to net pay, with unsocial-hours and pension.
Open calculator →Your minimum legal apprentice pay by age and year, on the April 2026 rates.
Open calculator →Get the most from your pension, and budget for the real costs of owning a leasehold flat or moving home in 2026.
The 20% relief added at source plus the higher-rate relief you claim back.
Open calculator →Your 5% + employer 3% on qualifying earnings, and the real cost to you.
Open calculator →Solicitor fees plus searches, Land Registry and disbursements for moving.
Open calculator →The premium to extend a flat's lease, with the 80-year marriage value risk.
Open calculator →Your monthly and annual flat service charge, ground rent and total cost.
Open calculator →NHS and private dentist salary to take-home pay, with self-employed guidance.
Open calculator →Veterinary surgeon salary to net pay after tax, NI, pension and student loan.
Open calculator →Part I assistant to director salary to take-home, with the student loan included.
Open calculator →Assistant to chartered (MRICS) QS salary to take-home pay across 2026/27.
Open calculator →Class 1 (C+E) driver take-home, with night, trunking and overnight-allowance notes.
Open calculator →NHS bank shift pay with unsocial-hours enhancements, after tax and NI per shift.
Open calculator →Your council home discount by years and type, up to the cash cap, and the price.
Open calculator →The cost of buying a bigger share of your shared-ownership home, plus fees.
Open calculator →What you owe to repay your equity loan — a share of today's value, plus interest.
Open calculator →Your 25% tax-free cash (PCLS), up to the £268,275 Lump Sum Allowance.
Open calculator →The capital value of a final salary pension using HMRC ×20 or a CETV multiple.
Open calculator →The cost of buying back NI years, the extra pension and when it breaks even.
Open calculator →Average tax-free winnings and your odds at the current NS&I prize fund rate.
Open calculator →Compare a fixed bond against an easy-access account to see which pays more.
Open calculator →Your 2026/27 net pay after Income Tax, National Insurance, pension and student loan.
Open calculator →Class 1 NI for 2026/27 at the 8% and 2% rates, employee and employer.
Open calculator →How sacrificing salary into a pension saves Income Tax and National Insurance.
Open calculator →Tax on dividends for 2026/27 using the £500 allowance and the dividend rates.
Open calculator →CGT on your gains for 2026/27 after the £3,000 annual exempt amount.
Open calculator →Estimate IHT with the nil-rate band, residence band and 40% rate.
Open calculator →Add or remove 20% VAT and see the net, VAT and gross amounts.
Open calculator →SDLT on a property purchase, including first-time buyer relief.
Open calculator →Your monthly mortgage cost across rates and terms for 2026.
Open calculator →The tax relief on a pension contribution and the real net cost to you.
Open calculator →Basic and higher-rate pension tax relief for 2026/27, with the real cost.
Open calculator →Tax-free ISA growth on your contributions within the annual allowance.
Open calculator →Estimate your Council Tax for 2026/27 by band, from A to H.
Open calculator →Your Child Benefit for 2026/27 and the High Income Child Benefit Charge.
Open calculator →The High Income Child Benefit Charge on income between £60k and £80k.
Open calculator →Statutory Maternity Pay over 39 weeks at 90% then the flat weekly rate.
Open calculator →Statutory Paternity Pay for the one or two weeks you take off.
Open calculator →Statutory Sick Pay for 2026/27 at the weekly rate, for up to 28 weeks.
Open calculator →Monthly and yearly student loan repayments across all repayment plans.
Open calculator →Plan 4 repayments at 9% above the Scottish repayment threshold.
Open calculator →Plan 5 repayments at 9% above the £25,000 threshold for England & Wales.
Open calculator →Your gross salary is reduced by a few separate deductions before it reaches your bank account. Here is what each one means in the 2026/27 tax year.
The first £12,570 you earn is tax-free. This allowance shrinks by £1 for every £2 you earn over £100,000 and disappears at £125,140.
Earnings above the allowance are taxed at 20% up to £50,270, 40% up to £125,140, then 45%.
Class 1 NI is 8% on pay between £12,570 and £50,270, and 2% on anything above that.
Pension contributions cut your taxable pay, while student loans take 9% (or 6% postgraduate) above your plan’s threshold.
These are the rates the calculator above applies for employees in England, Wales and Northern Ireland. Scotland sets its own income tax bands but uses the same National Insurance thresholds.
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| National Insurance (Class 1) | Earnings | Rate |
|---|---|---|
| Below threshold | Up to £12,570 | 0% |
| Main rate | £12,570 – £50,270 | 8% |
| Upper rate | Over £50,270 | 2% |
A quick reference for popular salary points in 2026/27 (no pension or student loan, standard tax code):
| Gross salary | Income Tax | National Ins. | Take-home / yr | Per month |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,505 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
Figures rounded to the nearest pound and may differ slightly from your payslip depending on your tax code, salary-sacrifice arrangements and pay frequency.
On a £30,000 salary in 2026/27 you pay around £3,486 Income Tax and £1,394 National Insurance, leaving roughly £25,120 net — about £2,093 a month — before any pension or student loan deductions. Add a pension contribution above and your monthly figure drops, but your taxable income falls too.
The standard Personal Allowance is £12,570 and remains frozen for 2026/27. If you earn more than £100,000 it tapers away by £1 for every £2 of income above that level, and is gone entirely once you reach £125,140.
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, and 2% on everything above £50,270. There is no NI on the first £12,570.
Yes. Choose Plan 1, Plan 2, Plan 4, Plan 5 or a Postgraduate Loan and we deduct 9% (or 6% for postgraduate) of income above the relevant repayment threshold — for example £29,385 on Plan 2.
It’s a close estimate. Your actual payslip can vary because of your specific tax code, salary-sacrifice schemes, taxable benefits, or being paid weekly rather than monthly. For an official figure, use the GOV.UK Income Tax estimator.
This calculator uses the rest-of-UK (England, Wales and Northern Ireland) income tax bands. Scotland has its own bands and rates set by the Scottish Government, although National Insurance and the Personal Allowance are the same UK-wide.
Plain-English explainers with worked examples and the latest 2026/27 figures — read these alongside the calculators above.
Exactly how the Income Tax and National Insurance on £40k is built, with a take-home table from £20k to £100k.
Read guide →Every Income Tax band, NI rate, allowance and Self Assessment deadline for 2026/27 in one reference.
Read guide →The £300,000 nil-rate band, the 5% band to £500,000 and worked SDLT examples for first-time buyers.
Read guide →
Bookmark WebCalculator for the 2026/27 tax year. Every tool is free, ad-supported and updated the moment HMRC changes the rates.
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