UK tax calculator: what you really take home

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.

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.

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.

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.

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.

It was built by Andre, who got tired of ad-filled tax calculators that never suited how he thinks about money. There are no ads, every figure is checked against official sources listed on the about page, and you can report anything that looks wrong to hello@polyxmedia.com.

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.