Salary and tax calculators
Work out take-home pay, the tax on a company car and what a redundancy package is worth after tax, for the 2026/27 tax year.
- Take-home pay calculator Enter your salary to see exactly what reaches your bank account, and how each deduction was worked out. Personal allowance £12,570
- Scottish take-home pay calculator Scotland sets its own income tax rates. See what you keep, and exactly how much more or less that is than the rest of the UK. 6 bands · top rate 48%
- Redundancy pay calculator Your statutory entitlement, and then the part gov.uk's own calculator leaves out: how much tax comes off the package. Weekly pay cap £751
- Company car tax calculator Work out the benefit in kind on a company car, what it costs you each month, and what it costs your employer. Electric rate 4%
What decides your take-home pay
Two people on identical salaries can take home noticeably different amounts. Where you live decides which bands apply — Scotland has 6 rates against 3 in the rest of the UK. How your pension is arranged decides whether relief comes before or after National Insurance, which is worth real money and is the thing most calculators get wrong. And your student loan plan sets both the threshold you start repaying at and the rate you repay.
Frozen thresholds are the other surprise. The personal allowance has stayed at £12,570 while wages rose, so a pay rise moves more of your income into higher bands than it once would have. Between £100,000 and £125,140 the allowance is withdrawn by £1 for every £2 earned, which produces an effective rate near 60% on that slice — higher than the headline rate paid by someone on twice the salary.
Each calculator here shows the bands it used, so you can reconcile the figure against a payslip instead of taking it on trust.
- Personal allowance
- £12,570
- Allowance gone at
- £125,140
- Employee NI
- 8%, then 2%
- Scottish bands
- 6 rates
Salary & tax guides
- UK income tax rates and thresholds for 2026/27 Every rate, band and allowance for all four nations, in one place and dated to the day it was checked.
- Scottish income tax compared with the rest of the UK Six bands instead of three, and a crossover point most Scottish taxpayers have never been shown.
- Student loan repayment thresholds for 2026/27 Which plan you are on, what you actually repay, and why a postgraduate loan is added to an undergraduate one rather than replacing it.
- Salary sacrifice, and what changes in 2029 The only pension arrangement that saves National Insurance as well as income tax — and the £2,000 cap arriving in April 2029.
- The £100,000 tax trap Between £100,000 and £125,140 you pay an effective 60% on every extra pound — and almost nobody is told.
- Is redundancy pay taxable? The £30,000 exemption covers less than most people expect, and it is one allowance across the whole package — not one per payment.
Tax year 2026/27 · How we calculate · All rates and sources · What changed