Free UK calculators

UK Salary & Tax Calculators

Find your take-home pay after tax, NI and pension. All calculators use 2026/27 HMRC rates.

2026/27 HMRC rates·No data stored·All calculations run in your browser

Common Questions

Quick answers to the UK's most searched salary and tax questions

What is the take-home pay for £25,000?

Roughly £1,650–£1,700 per month after tax and NI (tax code 1257L, no pension or student loan).

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What is the take-home pay for £30,000?

Roughly £1,970–£2,020 per month after tax and NI (tax code 1257L, no pension or student loan).

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How much tax do I pay on £40,000?

Approximately £5,500 income tax and £3,200 National Insurance, leaving around £31,300 take-home per year.

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What is £45,000 after tax?

Roughly £2,820–£2,880 per month after tax and NI (tax code 1257L). Assumes no pension contributions.

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What is the National Living Wage 2026?

From April 2026, £12.71/hour for ages 21+. Ages 18–20 get £10.85, under 18 get £8.00, apprentices get £8.00.

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How much stamp duty on a £300,000 house?

First-time buyers pay £0 (relief covers up to £425,000). Home movers pay £3,500. Buy-to-let adds a 3% surcharge.

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Frequently Asked Questions

Common questions about UK tax, National Insurance and our calculators

Are these calculations accurate?
Our calculators use the official 2026/27 HMRC tax rates, National Insurance thresholds, and student loan repayment thresholds. Results are accurate for standard tax codes (e.g., 1257L) but individual circumstances may vary. Always verify with HMRC or a qualified accountant.
What tax year do these calculators use?
All calculations use the 2026/27 tax year rates, which run from 6 April 2026 to 5 April 2027. We update our rates within 48 hours of any HMRC budget announcement.
Is my data stored or shared?
No. All calculations run entirely in your browser. We do not collect, store, or transmit your salary, tax code, or any personal information. See our Privacy Policy for full details.
What is tax code 1257L?
1257L is the standard tax code for 2026/27. It means you get the full personal allowance of £12,570 before paying income tax. The 'L' indicates you’re entitled to the standard tax-free amount.
How is National Insurance calculated?
For 2026/27, employees pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. These rates apply to Class 1 NI contributions deducted through PAYE.
Can I use this for self-employed or contractor calculations?
Our calculators are designed for PAYE employees. Self-employed tax works differently (Class 2 and 4 NI, payments on account). We recommend consulting an accountant for self-assessment calculations.