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Instantly calculate your take-home pay for the 2026/27 tax year. Configure tax code, pension, student loans, Scottish tax, and more.
If you work for yourself, your tax and National Insurance are calculated differently than for employees. Use this calculator to estimate your take-home pay after allowable expenses, pension contributions, and all self-employed taxes for the 2026/27 tax year.
Our calculator uses the confirmed HMRC rates for the 2026/27 tax year to produce an accurate, personalised breakdown of your take-home pay. Here's how to use it in four simple steps:
Type your annual gross salary (before any deductions). You can also add a one-off bonus if applicable.
Choose whether you're a Scottish taxpayer, enter your tax code (e.g. 1257L), and select your student loan plan if applicable.
Add your pension contribution (salary sacrifice or relief at source), employer pension rate, and the number of dependent children for Child Benefit calculations.
Click “Get Results” to see your take-home pay broken down annually, monthly, weekly, daily, and hourly — plus a full breakdown of every deduction.
All calculations run entirely in your browser. We never store or transmit your salary data.
Your results page isn't just a static breakdown. Once you click “Get Results,” you'll also get access to interactive tools:
What 1257L, BR, D0, and K codes mean — and how to check your payslip is correct.
How salary sacrifice, relief at source, and the Annual Allowance work.
Plans 1–5 thresholds, monthly repayment examples, and write-off dates.
Five HMRC-approved strategies to legally reduce your tax bill.