2026/27 Specialist Calculations
Every Way to View Your Income
Popular UK Salary Gateways (2026/27)
£25k–£50k salaries
£60k–£150k salaries
Hourly wage rates
UK Salary, Tax & Payroll Calculators
Specialised calculators modelled on HMRC 2026/27 statutory rules for side-by-side job comparisons, healthcare pay bands, and high-earner tax traps.
Compare Two Salaries
Compare two job offers side-by-side with net monthly take-home, commute travel deductions, and marginal keep rate.
Compare job offers →NHS Pay Calculator (AfC)
Full Agenda for Change Bands 2–9 with London HCAS weightings, unsocial hours uplifts, and tiered NHS pensions.
Calculate NHS pay →£100k Tax Trap & ANI
Calculate Personal Allowance taper loss, 30 hours free childcare cliff-edge, and pension salary sacrifice recovery.
Model £100k trap →Salary & Pay
UK Tax Calculators
Compare salaries and understand your deductions
These results are annual estimates, not a prediction of every payslip. Your tax code, pay schedule, pension arrangement and one-off payments can affect actual deductions. Read our calculation methodology and assumptions.
- Browse UK salary take-home pay examples to compare common salaries and their deductions.
- Comparing job offers? Use our side-by-side salary comparison calculator to factor in commute travel costs.
- Earning £100,000+? Model your allowance taper and childcare cliff-edge in the £100k tax trap calculator.
- NHS staff member? Check your Agenda for Change banding and HCAS in the NHS pay calculator 2026/27.
- Considering a new offer? Use the pay-rise calculator to estimate how much extra pay you keep.
- Adjust your pension, tax code and loan plan in the detailed salary calculator.
UK Tax & Payroll Guides
The £100k Tax Trap Explained
Why earning between £100k and £125k creates a 60% effective marginal tax rate and how pensions eliminate it.
Statutory RatesUK Income Tax Rates 2026/27
Complete breakdown of HMRC personal allowances, progressive tax thresholds, and national rates.
Student LoansStudent Loan Repayments Explained
Thresholds, repayment percentages, and salary impacts for Plan 1, 2, 4, 5 and Postgraduate loans.
National InsuranceNational Insurance Rates 2026/27
Employee (8%), employer and self-employed Class 4 contributions with worked salary examples.
Tax-Free AllowancesHow Much Can I Earn Tax-Free?
Personal allowance, starting rates for savings, marriage allowance, and dividend allowances for 2026/27.
Self-EmploymentSelf-Employed Tax Guide 2026/27
Income tax, allowable business expenses, payment on account rules, and Class 4 National Insurance.
Frequently Asked Questions
How much tax do I pay on a £35,000 salary in 2026/27? expand_more
On a £35,000 salary in England, Wales or Northern Ireland for 2026/27, you will pay approximately £4,486 in Income Tax (20% above the £12,570 Personal Allowance) and £1,794 in employee National Insurance (8% between £12,570 and £50,270). Your estimated take-home pay is £28,720 per year (£2,393 per month), before pension or student-loan deductions.
What is the UK Personal Allowance for 2026/27? expand_more
The standard UK Personal Allowance for the 2026/27 tax year is £12,570 (tax code 1257L). You pay 0% Income Tax on earnings up to this amount. The allowance tapers by £1 for every £2 earned above £100,000, reaching £0 at £125,140.
What are the UK National Insurance rates for 2026/27? expand_more
For 2026/27, employees pay 8% National Insurance on earnings between £12,570 (Primary Threshold) and £50,270 (Upper Earnings Limit), and 2% on earnings above £50,270.
Browse every calculator
Explore salary and finance tools or tax calculators and tax-year dates to find the tool for your question.