UK salary calculators — find your real take-home pay
I built this site after one too many pay rises that looked generous on paper and felt small on payday. These free UK salary calculators show exactly what lands in your bank account — after income tax, National Insurance and pension. No sign-up, no adverts in the way, every figure sourced from GOV.UK and HMRC.
Free salary calculators
UK Take Home Pay Calculator
Enter your salary and pension, get your yearly, monthly and weekly take-home pay after tax and National Insurance — with the full breakdown.
Hourly to Salary Calculator UK
Convert an hourly rate to an annual, monthly and weekly salary — or work out your hourly rate from a yearly salary. Includes the 2027 minimum wage rates.
Income Tax Calculator 2026/27
See how much income tax you pay in each band — basic, higher and additional rate — including the personal allowance taper over £100,000.
Compound Interest Calculator
See your savings grow year by year. Compare a tax-free Cash ISA with a normal savings account, with the Personal Savings Allowance built in.
Pay guides
NHS Pay Rise 2026/27
The confirmed 3.3% Agenda for Change award, every Band 5, 6 and 7 pay point for 2026/27, and what it means in pounds a month.
Minimum Wage 2027
The National Living Wage rises to £13.21 an hour from 1 April 2027. All the new rates by age, and what full-time pay looks like.
What’s coming next
TakeHomePay starts with your salary — because every money question starts with what you earn. Two more hubs are already planned, and they will be built to the same standard: sourced figures, tested maths, no made-up numbers.
Property & Mortgage
Once you know your take-home pay, the next question is usually a home. Mortgage affordability, stamp duty, overpayments and rent — all as calculators, never as sales pitches.
Mortgage repayment calculatorMortgage overpayment calculatorHow much can I borrowRemortgage calculatorStamp duty calculatorRental yield calculatorBuy to let mortgage calculatorCapital gains tax on propertyRent affordability calculatorCouncil tax band checker
Household, Car & Everyday Finance
The bills and the car eat most of what is left after tax. Energy costs, fuel, car finance and debt — the everyday maths, done properly.
Electricity cost calculatorAppliance running cost calculatorEnergy bill calculatorFuel cost calculatorCompany car tax (BIK) calculatorCar finance settlement calculatorPCP vs HP calculatorISA savings calculatorCredit card payoff calculatorInflation calculatorChild maintenance calculator
Salary calculators for Germany, France and the Netherlands are planned for phase 2 as well — each one built on that country’s own tax rules, never copied from the UK version.
2026/27 rates at a glance
| Figure | 2026/27 | Source |
|---|---|---|
| Personal allowance | £12,570 | GOV.UK |
| Basic rate (20%) | £12,571 – £50,270 | GOV.UK |
| Higher rate (40%) | £50,271 – £125,140 | GOV.UK |
| Additional rate (45%) | Over £125,140 | GOV.UK |
| Employee National Insurance | 8% to £50,270, then 2% | HMRC |
| National Living Wage (21+) | £12.71 an hour | Low Pay Commission |
| National Living Wage from 1 Apr 2027 | £13.21 an hour | Autumn Budget 2026 |
| NHS Agenda for Change award | 3.3% from 1 April 2026 | NHS Employers |
Why trust these calculators?
- Sourced, not guessed. Every rate on this site comes from GOV.UK, HMRC, NHS Employers or the Low Pay Commission, and each page says when it was last checked.
- Tested maths. Every calculator is checked against worked examples before it is published — for example, a £40,000 salary with a 5% pension gives £30,719.60 take-home pay.
- No made-up numbers. We publish no fake reviews, star ratings, visitor counts or “best” claims. If we do not know something, we say so.
- Free, no sign-up. The calculators run entirely in your browser. Nothing you type leaves your device.
Rates checked 13 November 2026. Tax year 2026/27 runs 6 April 2026 – 5 April 2027. Scotland sets its own income tax bands, which are different — these calculators use the England, Wales and Northern Ireland rates.