Work out what you actually take home in the UK — income tax and National Insurance combined into one take-home pay calculator, VAT at any rate, Stamp Duty Land Tax on a property purchase, and growth projections for your ISA, workplace pension, and Capital Gains Tax on investments. Every calculator shows the exact bands and math used.
UK take-home pay depends on income tax bands (with different bands in Scotland), National Insurance contributions, student loan repayments and workplace pension contributions. These calculators work out net pay from a gross salary, show the effect of salary sacrifice and pension contributions, estimate stamp duty when buying a home, and calculate VAT for businesses. Rates are reviewed after each Budget, including the Autumn Budget, so the results reflect the current tax year.
Combines income tax, National Insurance, and pension contributions into one net monthly figure.
Open calculator → Open calculator →They use simplified, rounded 2026/27 thresholds and rates for illustration. Your actual liability depends on your full circumstances, tax code, and any reliefs — always confirm with HMRC or a qualified UK tax adviser.
Not currently — it covers income tax, National Insurance, and pension contributions. Student loan plans vary by when you started your course, so this version focuses on deductions that apply to everyone.