UK tax calculator: what you really take home
Every deduction for 2026/27, worked out the way payroll does it: tax codes, Scottish rates, salary sacrifice, EVs, student loans, and income from freelancing, property and dividends.
A calculator for every situation
- Salary sacrificeSee what salary sacrifice saves you in 2026/27. Compare pension, EV and cycle to work schemes, with tax, NI and student loan worked out per payday.
- EV salary sacrificeWork out what an electric car on salary sacrifice really costs each month in 2026/27, including 4% benefit in kind tax, against a personal lease from your pay.
- 60% tax trapEarning between £100,000 and £125,140? See what the 60% tax trap costs you in 2026/27 and how much pension gets your allowance and childcare support back.
- Child Benefit chargeSee how much Child Benefit you keep in 2026/27 once the High Income Child Benefit Charge applies between £60,000 and £80,000, and how a pension removes it.
- Self-employed taxWork out tax, Class 4 NI and your Self Assessment bill on freelance income in 2026/27, alone or on top of a salary, with payments on account and MTD rules.
- Dividend taxCalculate dividend tax for 2026/27 at the new 10.75% and 35.75% rates, with the £500 allowance, a salary or director pay, and Scottish or rUK income tax bands.
- Scottish income taxTake-home pay in Scotland for 2026/27 using all six Scottish income tax bands, with NI, pensions and student loans, plus a side-by-side comparison with England.
- Student loansSee your 2026/27 student loan repayments for Plan 1, 2, 4, 5 and Postgraduate loans, worked out per payday like payroll, and how salary sacrifice lowers them.
- Pension tax reliefCompare salary sacrifice, net pay and relief at source in 2026/27. See your real cost per £1 in your pension, higher rate relief to claim and annual allowance.
- Bonus taxFind out how much of your bonus you keep in 2026/27 after income tax, National Insurance and student loan, and what sacrificing it into your pension is worth.
- Landlord taxWork out tax on rental income for 2026/27 with the £1,000 property allowance, the 20% mortgage interest credit, and the property tax rise coming in April 2027.
- Marriage AllowanceCheck if you qualify for Marriage Allowance in 2026/27. Transfer £1,260 of Personal Allowance to your partner and cut their tax bill by up to £252 a year.
- Pay riseSee how much of a pay rise you actually keep in 2026/27 after income tax, National Insurance, student loan and the Child Benefit charge, at every salary band.
Popular salaries after tax
Hourly pay after tax
Common questions
How is take-home pay calculated in the UK for 2026/27?
Take-home pay is your gross salary minus income tax, National Insurance, pension contributions, student loan repayments and any salary sacrifice. In 2026/27 the first £12,570 is tax-free, then income tax is 20%, 40% and 45% (six bands in Scotland), and employee NI is 8% between £12,570 and £50,270 and 2% above.
Why does my payslip differ from other calculators?
Most calculators work out National Insurance and student loans on your annual salary, but payroll works them out on each payday separately. In a bonus month that changes the answer. This calculator does it per payday, and it also reads your actual tax code, including K codes and emergency codes.
Does this calculator handle salary sacrifice and electric company cars?
Yes. It handles pension salary sacrifice, net pay and relief at source schemes, electric and hybrid cars on salary sacrifice with the 2026/27 benefit-in-kind rates, and other schemes such as cycle to work. It shows what each one really costs after tax and NI.
Can I include freelance, rental or dividend income?
Yes. Add self-employed income, rent, dividends, savings interest or other untaxed income and the calculator shows your whole position, including the Self Assessment bill, Class 4 NI and any payments on account.
Is my data stored?
Your figures are saved in your own browser so they are there next time. They are only sent anywhere if you use the AI assistant, which receives your current figures to answer your question. If you allow it, Google Analytics counts visits, and it never receives your figures.
How up to date are the figures?
The rates were last checked against HMRC, the Scottish Government and the Student Loans Company on 6 October 2026. They are updated every April and after every Budget.
Latest tax news
- Making Tax Digital: sole traders and landlords over £30,000 are nextFrom 6 April 2027, sole traders and landlords with more than £30,000 of income must keep digital records and send HMRC quarterly updates. Here is what changes.
- The £100,000 tax trap in 2026/27 and how to get out of itBetween £100,000 and £125,140 you lose your tax-free allowance and pay an effective 60% rate, 67.5% in Scotland. Here is what it costs and how to fix it.
- Scottish income tax 2026/27: who pays more than EnglandScots earning under about £33,500 pay slightly less income tax than the rest of the UK in 2026/27. Above that, the gap widens fast. Full comparison inside.