Salary calculator

About this calculator

Enter your pay and how often you are paid, then open any of the sections to add more detail: your tax code, student loan plan, pension contributions, bonus, overtime, taxable benefits and salary sacrifice. The calculator shows what you take home each year, month, four weeks, fortnight, week, day or hour, and where the rest goes.

It uses the 2026/27 tax year. In England, Wales and Northern Ireland the first £12,570 is tax free, then income tax is 20% to £50,270, 40% to £125,140 and 45% above, with the tax-free amount shrinking by £1 for every £2 over £100,000. Scotland has its own six bands from 19% to 48%. Employee National Insurance is 8% from £12,570 to £50,270 and 2% above, and is not charged over state pension age. Student loan repayments are 9% over the threshold for your plan (£26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5) and 6% over £21,000 for a postgraduate loan.

Pension contributions can be taken three ways. Net pay arrangements come off before tax but National Insurance is still charged. Salary sacrifice comes off before both. Relief at source is taken after tax, and the provider adds basic rate relief. If your payslip differs, check your tax code and any other deductions.

Common questions

What tax code should I use?

Leave it blank for the standard 1257L code, which gives the usual £12,570 tax-free allowance. If your payslip shows a different code, such as 1100L, BR or K475, type it in.

Is the result the same as my payslip?

It should be close. Payslips can differ because of holiday pay, part-year earnings, other benefits, or your employer's pension rules.

How is the hourly rate worked out?

Yearly pay is divided by 52 weeks of your weekly hours. Add unpaid days off in More options and the table shows both figures.