Work out take-home pay for any UK salary or hourly rate. Free calculators covering Income Tax, National Insurance, pension, student loan, and every tax code.
Enter a salary or hourly rate and see what actually reaches your bank account after Income Tax, National Insurance, pension and student loan. Every calculator shows the tax year it used and the assumptions behind the number, so you can check it against a real payslip.
| Tax/source year | 2026/27 |
|---|---|
| Region | England/Wales/Northern Ireland |
| Tax code basis | 1257L where the page uses PAYE defaults |
| Pension basis | No pension deduction unless this example says otherwise |
| Student loan basis | No student loan unless selected in this example |
| What is not decided here | PayBreakdown does not decide payroll correctness, lender approval, benefit entitlement or employer compliance, and does not give regulated financial, mortgage, debt, tax, payroll or legal advice. |
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The home page helps you find the right calculator without setting anything up first. Salary examples show take-home estimates, household pages combine two incomes, and the specialist tools cover pensions, student loans, statutory pay and mortgage affordability.
Most people arrive with one of two questions. If it is "what would I take home on this pay", start with the salary calculator or the example page nearest your figure — the answer is on the page before you touch anything, and every setting from pension method to tax code can then be changed. If it is "why does my payslip not match what I expected", start with the payslip checker: it takes the figures from a real payslip, works out what that pay and tax code should have produced, and shows which assumption — tax code, pension method, a student-loan deduction, or the cumulative basis itself — could explain the difference, in your browser.
Every figure comes from one calculation engine reading the current tax year's published rates, with the sources cited and the methodology written out in full. The results are planning estimates on the standard PAYE model: they cannot see HMRC's records, payroll timing, or employer-specific arrangements, and nothing here is tax, payroll or financial advice. Where a calculator cannot model something, its page says so rather than approximating silently.
Change any figure above and the result moves with it. A payslip can differ from any calculator because payroll works pay period by pay period, so a tax-code change, a bonus, arrears or a refund can land in one month and not the next. See how each deduction is worked out.
You can search for salaries, hourly rates, tax-code explainers, mortgage affordability, childcare, statutory pay, contractor pay, NHS pay, and other UK pay and tax planning tools.
No. Every calculator works without signing in, and figures you type stay in your browser.
Last updated 2026-08-28. Checked by Sean Elsmore. Rates last checked against GOV.UK on 2026-08-07. Estimates are for planning and should be checked against official records where the decision matters.