35 Free UK Salary & Tax Calculators for 2026/27
Work out exactly what you take home, how much tax you'll pay, and how pay rises, bonuses, pension contributions, or second jobs affect your finances — fully verified against statutory 2026/27 HMRC and Scottish Government tax parameters.
⚡ 2026/27 UK Payroll & Statutory Deductions Master Reference
Official HMRC & Scottish Government statutory schedules for the 2026/27 tax year (6 April 2026 – 5 April 2027)
| Personal Allowance (1257L) | £12,570 (0%) |
| Basic Rate (£12,571–£50,270) | 20% |
| Higher Rate (£50,271–£125,140) | 40% |
| £100k–£125,140 Taper Trap | 60%* |
| Additional Rate (>£125,140) | 45% |
| Primary Threshold (£242/wk) | £12,570/yr |
| Employee Main Rate (£12.5k–£50.2k) | 8% |
| Employee Upper Rate (>£50,270) | 2% |
| Employer NI (>£5,000 threshold) | 15% |
| Self-Employed Class 4 (£12.5k–£50.2k) | 6% (2% >£50.2k) |
| Plan 1 (Pre-2012 UK) | £26,900 (9%) |
| Plan 2 (2012–2023 Eng/Wales) | £29,385 (9%) |
| Plan 4 (Scottish Loans) | £33,795 (9%) |
| Plan 5 (Post-Aug 2023 Eng) | £25,000 (9%) |
| Postgraduate Loan | £21,000 (6%) |
| National Living Wage (21+) | £12.71/hr |
| 18 to 20 Age Rate | £10.85/hr |
| Under 18 & Apprentice | £8.00/hr |
| Auto-Enrolment Earnings Trigger | £10,000/yr |
| Qualifying Pension Min Contribution | 8% (3% Employer) |
Salary & Pay
Salary Calculator
Calculate your take-home pay after income tax, National Insurance and student loan deductions.
Take-Home Pay Calculator
Calculate your annual, monthly, weekly and daily take-home pay after all deductions for 2026/27.
Compare Two Salaries
Compare two job offers side-by-side. Calculate the exact difference in monthly take-home, tax and commute costs.
NHS Pay Calculator (AfC)
Agenda for Change Bands 2–9. Calculate take-home pay with London HCAS, unsocial hours and NHS Pension tiers.
Net to Gross Calculator
Work out what gross salary you need to earn a specific net take-home pay after tax and NI.
Hourly to Salary Converter
Convert hourly rates to weekly, monthly and annual pay with full-time equivalent breakdowns.
Pay Rise Calculator
Calculate the impact of a pay rise on your take-home pay, tax band and monthly difference.
Overtime Calculator
Calculate overtime pay at 1x, 1.25x, 1.5x or double time and see your annual boost.
Part-Time Calculator
Convert part-time hours to weekly, monthly and annual pay with full-time equivalent.
Pro Rata Calculator
Convert full-time equivalent annual salary to gross part-time pay using weekly hours.
Required Salary Calculator
Find the gross salary required to cover your target monthly expenses, mortgage or savings.
Commission Pay Checker
Calculate monthly take-home pay with tiered commission, sales bonuses and basic salary.
Minimum Wage Calculator
Check your hourly pay against statutory 2026/27 National Living Wage and Minimum Wage rates.
Apprentice Wage Calculator
Calculate pay and statutory minimum hourly rates for UK apprentices based on age and apprenticeship year.
Workplace & Rights
Payslip Calculator
Break down your monthly payslip with tax, NI, pension and student loan deductions line by line.
Sick Pay Calculator
Estimate SSP at the lower of £123.25/week and 80% of average weekly earnings, from the first qualifying sick day.
Holiday Pay Calculator
Work out statutory paid holiday entitlement and 12.07% accrual for irregular and zero-hours workers.
Redundancy Calculator
Estimate Great Britain statutory redundancy and notice pay separately, including their different tax treatment.
Zero-Hours Contract Rights
Review Great Britain zero-hours rights topics and minimum-rate illustrations; eligibility depends on your circumstances.
Employment Contract Checker
Locate nine common written-statement terms; this partial checklist does not assess legality or restrictive covenants.
Tax & NI
£100k Tax Trap Calculator
Calculate your 60% marginal tax rate between £100k–£125k. Model allowance recovery and the childcare income threshold; eligibility is a separate question.
Capital Gains Tax Calculator
Estimate your UK capital gains tax on shares, property and other assets using current HMRC rates.
Dividend vs Salary Calculator
Compare taking a salary vs dividends from your ltd company. Side-by-side tax comparison for directors.
PAYE vs Umbrella vs Ltd
3-way contractor comparison. See which working arrangement keeps the most of your day rate.
Salary Sacrifice Calculator
Calculate how much you save with salary sacrifice pension contributions in 2026/27.
Salary Sacrifice Car Calculator
Compare salary sacrifice lease vs PCP vs cash purchase. Especially powerful for EVs.
Sole Trader vs Ltd Company
Compare self-employed and limited company tax side by side. Find your crossover point.
Stamp Duty Calculator
Work out your SDLT bill for England and Northern Ireland with April 2025 rates and first-time buyer relief.
Pension & Retirement
Pension Calculator
Project your pension pot at retirement and show an illustrative annual withdrawal at 4% of the projected pot.
Retirement Calculator
Explore savings growth and fixed-withdrawal scenarios; results are illustrations rather than forecasts.
Loans, Savings & Budgeting
Student Loan Calculator
Estimate your monthly student loan repayments and see how long it will take to pay off your balance.
Student Loan Plan 1 vs Plan 2
Compare Plan 1 and Plan 2 repayments, interest rates and write-off timelines side by side.
Budget Calculator
Track income vs expenses across categories and see your financial health at a glance.
Compound Interest Calculator
Calculate compound interest growth, regular monthly deposits and final investment pot.
Car Finance Calculator
Compare PCP vs Hire Purchase (HP) monthly payments, interest rates and balloon payments.
Choose a starting point
For take-home pay, use the salary calculator. For tax bands and business taxes, browse UK tax calculators. Read the assumptions on each tool before using an estimate to compare jobs, business structures or retirement options.