UK Take Home Pay Calculator
Instant resultGOV.UK rates
£40,000 salary →£30,719.60take-home / yearCalculate →
Take-home pay calculator
Full calculator →Type your salary and see your take-home pay instantly — after income tax, National Insurance and pension. 2026/27 · England, Wales & Northern Ireland.
Model: pension is taken off before income tax is worked out (relief at source), but National Insurance is still charged on your full gross salary. That matches how most workplace pensions work. Figures are estimates, not tax advice.
Popular calculators
Show all →Hourly to Salary Calculator UK
Instant resultNLW £12.71
£12.71 / hour →£24,784.50a year · 37.5 hrsCalculate →
Income Tax Calculator 2026/27
Instant result£100k trap explained
£60,000 income →£11,432.00income tax / yearCalculate →
Compound Interest Calculator
Cash ISA vs savingsTax built in
£10k + £200/mo →£47,526.55after 10 years · 5%Calculate →
Maternity Pay Calculator UK
Instant resultSMP £194.32/week
On £40,000 salary →£10,566.41total SMP · 39 weeksCalculate →
Redundancy Pay Calculator UK
Instant resultWeekly cap £751
Age 45 · 10 years · £800/wk →£9,012statutory payCalculate →
IR35 Calculator UK
Instant resultInside vs outside IR35
£500/day · inside IR35 →£65,222take-home / yearCalculate →
Dividend Tax Calculator UK
Instant resultAllowance £500
£10,000 divs + £30,000 salary →£831.25dividend taxCalculate →
Corporation Tax Calculator UK
Instant resultSmall profits 19% · main 25%
£100,000 profit →£22,750corporation taxCalculate →
Pension Calculator UK
Instant resultState Pension £241.30/week
Age 30 · £200/month →£319,455pot at 67Calculate →
50/30/20 Budget Calculator UK
Instant resultPlus 60/20/20 alternative
On £2,500/month →£1,250needs · £750 wants · £500 savingsCalculate →
Contractor Calculator UK
Instant resultInside-IR35 figure
£400 / day · 220 days →£58,957.40take-home / yearCalculate →
Cashback Calculator UK
Instant resultExample rates shown
Example spend →£193.20cashback / yearCalculate →
Mortgage Repayment Calculator UK
Instant resultRepayment & interest-only
£200,000 · 4.5% · 25 yrs →£1,111.66a monthCalculate →
Mortgage Overpayment Calculator UK
Instant result£200/mo saves £36k
£200/mo extra →£36,280.39interest savedCalculate →
How Much Can I Borrow? UK
Instant result4–4.5× income
£60,000 income →£240,000–£270,000estimated borrowingCalculate →
Remortgage Calculator UK
Instant resultFees vs saving
£180,000 · 5.5% → 4.5% →£99.43saved a monthCalculate →
Stamp Duty Calculator UK
Instant resultEngland & NI only
£350,000 home mover →£7,500stamp dutyCalculate →
Rental Yield Calculator UK
Instant resultBefore tax
£200,000 · £1,000/mo rent →6.0%gross yieldCalculate →
Buy-to-Let Mortgage Calculator UK
Instant resultIllustration only
£200,000 · £50k deposit →177.8%rental coverCalculate →
Capital Gains Tax Calculator Property
Instant result60-day rule
£92,000 gain →£20,143.80estimated CGTCalculate →
Rent Affordability Calculator UK
Instant resultLinks to take-home pay
£36,000 take-home →£1,200max rent / month (30×)Calculate →
Electricity Cost Calculator UK
Instant resultOfgem cap 26.32p/kWh
1,000W · 1h a day →£96.07a yearCalculate →
Appliance Running Cost Calculator
Instant result8 common appliances
Tumble dryer · 3 loads a week →£102.65a yearCalculate →
Energy Bill Calculator UK
Instant resultOfgem cap £1,723 typical
Typical household →£1,723.61a yearCalculate →
Company Car Tax Calculator 2026/27
Instant resultGOV.UK BIK table
£40k EV · higher rate →£640tax / yearCalculate →
Car Finance Settlement Calculator
Instant resultEstimate — lender's figure is final
£10k · 9.9% · 24 paid →£5,491.38left to payCalculate →
PCP vs HP Calculator UK
Instant resultNo “better” verdict — just numbers
£20k car · 9.9% · 48 mo →PCP £319.15/mo vs HP £455.66/moCalculate →
ISA Savings Calculator UK
Instant resultISA allowance £20,000
£200/mo · 5% · 10y →£31,056.46tax-freeCalculate →
Credit Card Payoff Calculator UK
Instant resultMinimum-payment warning built in
£2,000 · 24.9% · £100/mo →27 months· £521.27 interestCalculate →
Inflation Calculator UK
Instant resultONS CPI 3.5% to Sep 2026
£100 in 2000 →£198.21in Sep 2026 moneyCalculate →
Child Maintenance Calculator UK
Instant resultEstimate — CMS figure is final
£600/wk · 1 child →£72a weekCalculate →
Brutto Netto Rechner 2027
SchätzungSteuerklasse I–VI
4.000 € brutto / Monat →2.650,12 €netto / MonatBerechnen →
Mindestlohn Rechner 2027
14,60 € / StundeMinijob-Grenze 633 €
40 Std. / Woche →2.530,67 €brutto / MonatBerechnen →
Stundenlohn Rechner
Beide RichtungenMindestlohn 14,60 €
25 € / Std. · 40 Std. →4.333,33 €brutto / MonatBerechnen →
Monatslohn Rechner
Beide Richtungen52 / 12 = 4,3333 Wochen
20 € / Std. · 38 Std. →3.293,33 €brutto / MonatBerechnen →
Firmenwagenrechner
1 % + 0,03 % / kmE-Auto bis 100.000 €
40.000 € · 20 km →640 €geldwerter Vorteil / MonatBerechnen →
Urlaubsanspruch Rechner
BUrlG § 3Elternzeit −1/12 / Monat
5-Tage-Woche →20 Tagegesetzlicher MindesturlaubBerechnen →
Calcul Salaire Brut en Net
~22 % non-cadre~25 % cadre
3 000 € brut / mois →2 340 €net avant impôtCalculer →
Calcul Salaire Horaire
35 h = 151,67 h/moisSMIC 12,31 €/h
15 € / h · 35 h →2 275 €brut / moisCalculer →
Indemnité Rupture Conventionnelle
1/4 mois / an ≤ 10 ansChômage : oui
2 500 € · 12 ans →7 916,67 €indemnité minimaleCalculer →
Indemnité de Licenciement
8 mois d'ancienneté min.CDI
2 400 € · 3 ans 4 mois →2 000 €indemnité minimaleCalculer →
Bruto Netto Berekenen
Box 1 2026Beide richtingen
€ 48.000 bruto / jaar →€ 38.149,69netto / jaarBerekenen →
Toeslagen Berekenen 2027
Zorgtoeslag max € 1.680Vermogensgrens € 119.122
Alleenstaand · € 25.000 →€ 140zorgtoeslag / maandBerekenen →
13e Maand Berekenen
8,33 % van jaarloonBruto & netto
€ 48.000 / jaar →€ 1.981,28netto 13e maandBerekenen →
WW-Uitkering Berekenen
Max. dagloon € 309,91Duur 3–24 maanden
SV-loon € 60.000 →€ 3.750bruto / maand, eerste 2 maandenBerekenen →
No calculators or guides match that search. Try “tax”, “salary” or “NHS”.
Top guides
Statutory Sick Pay UK
SSP £123.25/weekFrom day 1 · no earnings limit
2026/27 rate →£123.25per week · up to 28 weeksRead →
Freelancer Expense Tracking
MTD from 6 Apr 20265-year record rule
MTD threshold →£50,000qualifying incomeRead →
Best Invoicing Tools for Freelancers
Prices datedMTD compared
FreeAgent sole trader →£19/ month ex VATRead →
Best Cashback Sites UK
Realistic £200–£500/yrNo affiliate links
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Snoop core →£0free · Plus £5.99/moRead →
Council Tax Bands A–H Explained
Band D avg £2,392GOV.UK checker linked
Average Band D, England →£2,392a year · 2026/27Read →
IG Metall Tariftabelle 2026
3,7 Mio. BeschäftigteTarifrunde 2026 läuft
ERA-Monatsentgelt →2.700–7.300 €brutto / MonatLesen →
New on TakeHomePay
NEW
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.
Read the guide →NEW
NHS Pay Rise 3.3% confirmed
Every Band 5, 6 and 7 pay point for 2026/27, and what the award means in pounds a month.
Read the guide →NEW
Cash ISA vs savings
Compare a tax-free Cash ISA with a normal savings account — with the Personal Savings Allowance built in.
Try the calculator →Why TakeHomePay?
Free UK salary, tax and savings calculators — built to be honest, sourced and easy to use. No sign-up, no adverts in the way.
✓
Sourced, not guessed
Every rate 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.
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Free, no sign-up
The calculators run entirely in your browser. Nothing you type leaves your device.
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 |
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.
Important: Everything on this site is general information for planning purposes only. It is not professional financial advice, not tax advice, and not a substitute for advice from a qualified adviser. Rates and thresholds are for the UK tax year 2026/27 (6 April 2026 – 5 April 2027) unless stated otherwise, and can change. Figures are estimates — your actual pay depends on your tax code, pension scheme, student loan plan and other deductions. Check the current figures on GOV.UK or speak to a qualified adviser before acting.