Income & tax calculators
Start here. Every money decision — a mortgage, a car, a savings plan — depends on what you actually take home, so these calculators get that number exactly right.
Take-home pay
Salary after Income Tax, NI, student loan and pension — monthly, weekly and hourly.
Open calculator →Hourly ↔ salary
Convert hourly pay to annual salary, add overtime bands and check the minimum wage.
Open calculator →Required salary
Work backwards from the take-home pay you want to the salary you need, after tax, NI and loans.
Open calculator →Pro-rata salary
Pro-rata pay and holiday for part-time hours, fewer days or part of a year — with take-home.
Open calculator →Self-employed tax
Income Tax, Class 4 NI, payments on account and how much to set aside each month.
Open calculator →Pay rise & job offers
How much of a raise you keep, and which job offer is really worth more.
Open calculator →Maternity, paternity & sick pay
Statutory Maternity, Paternity and Sick Pay week by week, and the drop from your normal pay.
Open calculator →Why take-home pay comes first
Lenders, landlords and your own budget all care about the money that actually reaches your account. In 2026/27 that means working through the £12,570 Personal Allowance, Income Tax bands that differ between Scotland and the rest of the UK, National Insurance worked out for each pay period, student loan repayments on five different plans, and pension contributions that save tax in three different ways.
Our income calculators share one tested engine, so the take-home figure you see on the take-home pay calculator is exactly the figure the mortgage affordability calculator uses. If you're paid by the hour, start with the hourly to salary calculator. If you're a sole trader or freelancer, use the self-employed tax calculator to see your Self Assessment bill and payments on account.
Thresholds that change everything
With tax thresholds frozen until April 2031, more of every pay rise is taxed each year. A few points cost far more than the headline rates suggest: £50,270 (higher rate), £60,000–£80,000 (Child Benefit charge), £100,000 (loss of childcare support) and £100,000–£125,140 (a 60% effective rate). The pay rise calculator and take-home calculator warn you when you're near one, and show the pension contribution that would get you back under it.
When you're off work
Having a baby or falling ill can cut your income sharply. The maternity, paternity and sick pay calculator works out Statutory Maternity Pay, Statutory Paternity Pay and Statutory Sick Pay week by week from your normal earnings, including the April 2026 changes that pay SSP from the first day off sick, and shows how far below your normal pay it falls.
Employed, self-employed or both
Many people now have a salary and a side business. Employment income uses your Personal Allowance and basic-rate band first, so profit on top is often taxed at a higher rate than you expect. The self-employed calculator takes your salary into account.
Private and transparent
Every calculation runs in your browser and nothing you type is stored or sent. Each result has a How this was calculated panel showing every step, and every rate is listed with its official source on our sources page.
Guides
High Income Child Benefit Charge: The £60,000–£80,000 Taper Explained
Who pays the High Income Child Benefit Charge, how much is clawed back between £60,000 and £80,000, and how pension contributions can keep your Child Benefit.
Read guide →How Is a Bonus Taxed in the UK? Why Your Bonus Month Looks Over-Taxed
How Income Tax, National Insurance and student loans apply to a bonus, why your bonus payslip looks heavily taxed, and how to keep more of it with pension sacrifice.
Read guide →How National Insurance Works in 2026/27 (and Why It's Per Pay Period)
Employee and employer NI rates and thresholds for 2026/27, why NI is calculated each payday rather than yearly, NI categories, and what it pays for.
Read guide →How to Read Your Payslip: Every Line Explained
A line-by-line guide to a UK payslip: gross pay, tax code, Income Tax, National Insurance, student loan, pension, year-to-date figures and what to check each month.
Read guide →Making Tax Digital for Income Tax: Who It Affects and When (2026–2028)
The Making Tax Digital for Income Tax start dates and thresholds (£50,000, £30,000, £20,000), what qualifying income means, quarterly updates and how to prepare.
Read guide →Payments on Account: How Self Assessment Advance Payments Work
What payments on account are, who makes them, the 31 January and 31 July deadlines, the first-year double payment and how to reduce them.
Read guide →Salary Sacrifice Explained: Pensions, EVs and the 2029 NI Cap
How salary sacrifice saves Income Tax and National Insurance, what it costs you in take-home pay, the schemes available and the £2,000 NI cap coming in April 2029.
Read guide →Scottish vs English Income Tax 2026/27: Who Pays More?
Scotland's six income tax bands compared with the rest of the UK for 2026/27 — where Scottish taxpayers pay less, where they pay more, and who counts as Scottish.
Read guide →Student Loan Plans 1, 2, 4, 5 and Postgraduate Compared (2026/27)
Which student loan plan you're on, the 2026/27 repayment thresholds, how much comes out of your pay, interest, write-off dates and whether to overpay.
Read guide →The £100k Tax Trap: Why You Pay 60% Between £100,000 and £125,140
How the Personal Allowance taper creates a 60% (62% with NI) marginal rate, what it costs, and how pension contributions and salary sacrifice get you out of it.
Read guide →UK Tax Codes Explained: What 1257L, BR, K and Emergency Codes Mean
How to read your tax code, what each letter means, why codes change, and how to tell if you're on the wrong one — with the 2026/27 figures.
Read guide →