UK Financial
Calculators
Free, accurate calculators for income tax, employer NI, mortgages, take-home pay and more. All rates updated for 2026/27 — England, Scotland and Wales.
Live filter — matching tools appear below as you type. Press Enter to open the first match. Searches 38 live calculators.
Popular Calculators
The tools used by thousands of UK taxpayers and employers
Employer NI Calculator
Most PopularCalculate your exact employer NI liability for 2026/27
Take-Home Pay Calculator
Top ToolSee your exact monthly net pay after all deductions
Income Tax Calculator
PopularFull breakdown by tax band with effective rate
Mortgage Repayment
NewMonthly payments, total interest & amortisation
Quick Take-Home Pay Reference 2026/27
Standard tax code 1257L, no pension, England/Wales. All figures approximate.
| Gross Salary | Income Tax | Employee NI | Monthly Net | Annual Net | % Kept |
|---|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £1,493 | £17,920 | 90% |
| £25,000 | £2,486 | £994 | £1,793 | £21,520 | 86% |
| £30,000 | £3,486 | £1,394 | £2,093 | £25,120 | 84% |
| £35,000 | £4,486 | £1,794 | £2,393 | £28,720 | 82% |
| £40,000 | £5,486 | £2,194 | £2,693 | £32,320 | 81% |
| £50,000 | £7,486 | £2,994 | £3,293 | £39,520 | 79% |
| £60,000 | £11,432 | £3,211 | £3,780 | £45,357 | 76% |
| £75,000 | £17,432 | £3,511 | £4,505 | £54,057 | 72% |
| £100,000 | £27,432 | £4,011 | £5,713 | £68,557 | 69% |
For precise figures including pension, student loans and Scotland rates, use our Take-Home Pay Calculator.
Browse by Category
Every UK financial tool organised by topic
Tax & Income
Understand UK tax bands, payroll deductions, and take-home pay across every income type.
Browse toolsMortgages & Property
Mortgage and property tools for buying, remortgaging, and landlord planning in the UK.
Browse toolsRetirement & Pensions
Plan UK pension contributions, retirement income needs, and annuity choices.
Browse toolsSavings & Investments
Project savings growth, investment returns, and the impact of inflation or compounding.
Browse toolsDebt & Loans
Compare borrowing options and build repayment strategies for loans, credit, and debt.
Browse toolsBudgeting & Planning
Track budgets, plan major purchases, and stay on top of day-to-day money decisions.
Browse toolsBusiness & Freelancing
Essential tools for contractors, freelancers, and small business owners in the UK.
Browse toolsUtilities & Tools
Handy everyday calculators for bills, conversions, and splitting shared household costs.
Browse toolsFamily & Lifestyle
Plan for family expenses, benefits, and big lifestyle milestones with confidence.
Browse toolsAlways Accurate
Every calculator updated for the latest HMRC rates and thresholds as soon as they change.
No Data Stored
All calculations happen in your browser. We never store your salary or financial details.
Instant & Free
No sign-up, no subscription, no adverts. Just fast, accurate UK financial calculations.
Latest Guides
In-depth UK financial guides — updated for 2026/27
UK Income Tax Bands Explained (2026/27)
A plain-English guide to UK income tax bands, rates, and the personal allowance for 2026/27.
Read guide Tax & IncomeNational Insurance Explained: Employee and Employer Rates 2026/27
How National Insurance contributions are calculated, who pays, and how to reduce your bill in 2026/27.
Read guide Tax & IncomeHow to Read Your Payslip: Every Line Explained (2026/27)
A complete line-by-line guide to understanding your UK payslip — income tax, NI, pension, student loans and more.
Read guideAll calculators are for guidance only. Tax rules change and individual circumstances vary. Always consult a qualified financial adviser or accountant for personal advice. Rates shown are for 2026/27 tax year.
Free UK calculators with the depth of a full finance guide
The site is designed to be more than a set of quick widgets. Each calculator is paired with practical guidance, worked examples, related tools and plain-English explanations so you can understand the result rather than simply copy a number. For the 2026/27 tax year, the most important planning points remain the frozen Personal Allowance, the higher employer National Insurance rate, the unchanged student loan repayment structure, the narrow dividend allowance and the growing impact of fiscal drag on ordinary salaries.
A good calculator page should answer the next question before you have to search for it. If you calculate take-home pay, you probably also need to understand income tax bands, National Insurance, pension salary sacrifice, student loans and whether Scotland changes the answer. If you calculate employer NI, you may also need corporation tax, salary-versus-dividend planning, employment allowance rules and total employment cost. That is why the homepage, calculators and guides all link together as a topic cluster rather than isolated pages.
The 2026/27 data used across the calculators is intended for practical personal planning: salary comparisons, mortgage affordability checks, business cost estimates and household budgeting. It is not a replacement for payroll software or regulated advice, but it gives you a strong estimate before speaking to payroll, an accountant, a mortgage broker or a financial adviser.
Focused planning
A smaller, tighter route through key calculators and guides.
Key 2026/27 figures
Frozen allowance used by most 1257L tax codes.
Higher-rate tax normally begins after this level for England, Wales and Northern Ireland.
Charged above the secondary threshold for most employees.
Only a small slice of dividend income is tax-free before dividend tax applies.
Allowance before taxable capital gains are calculated.
Standard VAT rate used by most UK businesses.
Take-home pay after tax
Model salary, pension, National Insurance, Scotland rates and student loan deductions in one place.
Open toolIncome tax bands
See how the 2026/27 personal allowance, basic rate, higher rate and additional rate apply to each pound.
Open toolEmployer NI cost
Calculate the true employment cost above headline salary, including the 15% employer NI rate.
Open toolMortgage repayments
Compare monthly payment, total interest and amortisation over the full mortgage term.
Open toolHow to use the calculators properly
Start with the calculator that matches your immediate question, then follow the related guides and tools around it. For salary planning, begin with the take-home pay calculator, then check the income tax guide, National Insurance guide and student loan guide. For a business owner, begin with employer NI, then compare corporation tax, dividend tax, salary versus dividend and VAT. For property decisions, start with the mortgage repayment calculator, then use stamp duty, affordability, rental yield and capital gains tax tools.
Enter realistic numbers
Use your actual tax code, pension contribution, student loan plan, expected bonus, mortgage term or business profit. Small details can change the outcome materially.
Check the assumptions
Each page explains what is included and what is excluded. That matters for payroll benefits, benefits-in-kind, Scottish tax bands, salary sacrifice and mortgage fees.
Use linked tools
The strongest answer usually comes from two or three calculators together. Take-home pay connects to tax bands; mortgage affordability connects to net income; dividends connect to corporation tax.
Calculator library
The calculator library is intentionally broad. A user checking annual salary may also need overtime, bonus, pro-rata salary, pension contributions, council tax, mortgage payments or loan repayments. Internal links help users move through those decisions without needing to return to a search engine.
Guide library
The guide library gives context to the numbers. Calculators answer “how much”; guides answer “why”, “what next” and “what should I watch out for”. This helps the site compete with long-form specialist pages while keeping the calculator experience fast.
UK Income Tax Bands Explained (2026/27)
A plain-English guide to UK income tax bands, rates, and the personal allowance for 2026/27.
Tax & IncomeNational Insurance Explained: Employee and Employer Rates 2026/27
How National Insurance contributions are calculated, who pays, and how to reduce your bill in 2026/27.
Tax & IncomeHow to Read Your Payslip: Every Line Explained (2026/27)
A complete line-by-line guide to understanding your UK payslip — income tax, NI, pension, student loans and more.
Tax & IncomeSalary Sacrifice 2026/27: Save Tax and NI on Pensions, EVs and Benefits
How salary sacrifice works, how much you can save, and the best benefits available through your employer in 2026/27.
How the calculator library is designed for internal journeys
A strong finance calculator site should not behave like a list of isolated tools. It should work like a decision map. Payroll, tax, mortgages, savings, debt and business finance are connected topics, and most users need to move between them. Payroll Peak links the take-home pay calculator to income tax, National Insurance, student loan, pension and employer NI pages because all of those deductions affect the same payslip. Mortgage pages link to affordability, stamp duty, deposit and household budget pages because monthly repayments are only one part of buying a home. Business calculators link corporation tax, dividends, salary, VAT and payroll costs because a limited company decision normally has several tax layers.
This structure also helps the guide library. An article explaining how tax codes work should link naturally to the income tax calculator and take-home pay calculator. A guide about salary sacrifice should link to pension contribution, employer NI and net pay calculations. A mortgage affordability guide should link to repayment, stamp duty, loan-to-value and household budget calculators. Users get a clearer path, and search engines can understand that each calculator belongs to a wider topical cluster rather than a thin standalone page.
Step 1: Calculate the core number
Start with the figure that answers the immediate question: net pay, monthly repayment, tax due, required savings, profit after tax or loan payment. This gives a clear anchor before you adjust assumptions or read more detailed guidance.
Step 2: Follow related deductions
Move from the headline answer into the factors that change it. For a salary, that means tax bands, NI, pensions and student loans. For property, it means deposit, interest rate, term, stamp duty and household affordability.
Step 3: Read the guide context
Use guides to understand the why behind the number. Tables, examples, FAQs and internal links explain thresholds, rule changes and practical planning steps for the 2026/27 UK tax year.
Common 2026/27 planning mistakes this site helps avoid
Many financial mistakes happen because people focus on one figure and ignore the linked consequences. A pay rise can increase gross salary but also increase income tax, National Insurance, student loan repayment and pension deductions. A mortgage that looks affordable at today’s payment may be less comfortable once insurance, council tax, service charges, repairs and emergency savings are included. A company dividend can look efficient until corporation tax, dividend tax, cash-flow timing and pension planning are considered. A savings goal can look simple until inflation changes the real value of the target.
The calculator and guide pages are written to encourage second-step thinking. After a user calculates one result, they are shown related calculators and guides so they can test nearby assumptions. Someone calculating income tax can move to take-home pay or pension contribution. Someone checking mortgage repayments can move to affordability and stamp duty. Someone checking dividends can move to corporation tax and employer NI. This creates deeper, more useful sessions and reduces the risk that users make a decision from an incomplete number.
Why 2026/27 planning needs more than one number
The UK tax system is full of thresholds that interact. A pay rise can affect income tax, National Insurance, child benefit, student loan repayments, pension contribution rates and mortgage affordability all at once. A business owner choosing between salary and dividends has to consider corporation tax, employer NI, employee NI, dividend tax, pension contributions and available allowances. A landlord calculating rental yield must connect mortgage interest, income tax, repairs, void periods, stamp duty and capital gains tax.
That is why the site uses clusters: calculators, guide pages, related articles and related tools all point at each other. A user should be able to move from “what is my monthly net pay?” to “why is my tax code wrong?”, “how does salary sacrifice change this?”, “will a mortgage lender use gross or net income?” and “what happens if I move to Scotland?” without leaving the site.
Need the quickest route?
Start with take-home pay, then follow related tools based on whether your next decision is tax, property, debt, pension or business planning.
Start with take-home payA practical 2026/27 planning route for common users
Different users arrive with different problems, so the site is structured around common journeys. An employee usually starts with take-home pay, moves to income tax and National Insurance, then checks pension sacrifice, student loans and pay rises. A company director usually starts with salary versus dividends, moves to corporation tax and dividend tax, then checks employer NI and pension contributions. A home buyer usually starts with mortgage repayments, moves to affordability, stamp duty and deposit planning, then checks household budget and emergency fund calculators. A landlord usually starts with rental yield, then moves to buy-to-let mortgage, rental income, capital gains tax and self-assessment.
This matters because search intent rarely stops at the first answer. Someone calculating monthly net pay is often preparing for a mortgage, comparing job offers, planning maternity leave, deciding whether to increase pension contributions or checking whether a pay rise is worthwhile. Someone calculating mortgage interest may also need to know whether their take-home pay supports the payment, whether stamp duty changes the deposit requirement and whether a shorter term is realistic. The best internal linking structure is therefore not random; it moves users through adjacent questions in the order they naturally arise.
For employees and households
Start with gross-to-net calculations because monthly disposable income drives almost every household decision. Once you know the net figure, check income tax, employee National Insurance, pension contributions and student loans. Then connect the answer to budgeting, emergency fund, loan repayment and mortgage affordability calculators. This turns a single salary figure into a full household affordability picture. It also helps explain why two people with the same gross salary can have different outcomes because of tax code differences, pension rates, Scotland tax bands, student loan plans, salary sacrifice or overtime.
For business owners and contractors
Start with profit and extraction. Corporation tax, salary, dividends, employer National Insurance and pension contributions all interact. A low salary may reduce employment taxes, but a higher salary can increase corporation tax deductions. Dividends avoid National Insurance but are paid from post-corporation-tax profits. VAT affects pricing and cash flow. IR35 can change the entire calculation for contractors. The related calculators and guides are designed to keep these pages linked, so users can move from one tax layer to the next without losing context.
For property buyers and landlords
Property decisions need several calculators because the monthly payment is only one part of the cost. A buyer should check repayment, affordability, deposit, stamp duty, household budget and emergency fund. A landlord should add rental yield, rental income, buy-to-let mortgage, capital gains tax and self-assessment. The 2026/27 tax year remains challenging for property investors because mortgage interest relief restrictions, higher rates, stamp duty surcharges and CGT rules can turn a headline yield into a much lower net return.
For long-term savers and retirees
Long-term planning depends on compounding, inflation, contribution rates, tax wrappers and retirement income assumptions. A pension contribution that looks expensive monthly may be much cheaper after tax relief. An ISA return that looks modest annually can become powerful over a decade. Inflation can quietly reduce the real value of a savings target. Use the pension, compound interest, ISA, savings and retirement calculators together to compare today’s contribution decision with tomorrow’s expected income.
Browse by financial topic
Tax & Income
Understand UK tax bands, payroll deductions, and take-home pay across every income type.
Mortgages & Property
Mortgage and property tools for buying, remortgaging, and landlord planning in the UK.
Retirement & Pensions
Plan UK pension contributions, retirement income needs, and annuity choices.
Savings & Investments
Project savings growth, investment returns, and the impact of inflation or compounding.
Debt & Loans
Compare borrowing options and build repayment strategies for loans, credit, and debt.
Budgeting & Planning
Track budgets, plan major purchases, and stay on top of day-to-day money decisions.
Business & Freelancing
Essential tools for contractors, freelancers, and small business owners in the UK.
Utilities & Tools
Handy everyday calculators for bills, conversions, and splitting shared household costs.
Family & Lifestyle
Plan for family expenses, benefits, and big lifestyle milestones with confidence.