UK pay, pension & family-finance calculators.
Your numbers, with HMRC's rules, in plain English. Free and ad-light.
Pick what you're working out
Every calculator runs your numbers against the live 2026/27 HMRC rates and shows the working, not just the answer.
Tax-Free Childcare calculator
See the government top-up on your childcare, up to £2,000 per child.
Take-home pay calculator
PAYE income tax, National Insurance and take-home pay for 2026/27.
Marginal tax rate calculator
The effective rate on your next pound, with the 60% Personal Allowance taper and student-loan stacking shown row by row.
Salary sacrifice calculator
How much salary-sacrifice pension saves you in tax and NI.
Pension tax calculator
Income Tax on a pension withdrawal, with the 25% tax-free split, the month one emergency deduction and the Scotland gap in pounds.
Student loan Plan 2 calculator
Your Plan 2 repayment for 2026/27, with tax and NI stacked on the next pound.
Bonus tax calculator
How much of your bonus you keep after tax and NI.
Coming soonThe rules · 2026/27
UK income tax & NI at a glance
UK income tax for 2026/27 is 20% to £37,700, 40% to £125,140 and 45% above, after the £12,570 Personal Allowance, per gov.uk.
England, Wales & Northern Ireland bands. Scotland uses six bands, shown in the take-home calculator.