Pay, Salary and Tax Code Calculators
Last updated: October 2026 · Updated for the 2026/27 tax year
These calculators answer the everyday pay questions: how much of a salary you keep, whether your tax code and payslip look right, what a pay rise or bonus is really worth, and how statutory payments such as sick pay and maternity pay are worked out. They cover England, Wales and Northern Ireland unless stated, and there is a separate calculator for Scottish Income Tax.
Salary, take-home pay and payslips
Salary sacrifice, benefits and deductions
Statutory pay and leave
How PAYE takes tax from your pay
Your employer deducts Income Tax and National Insurance from each payment under PAYE and pays them to HMRC. Most employees have the tax code 1257L, which reflects the £12,570 Personal Allowance. You pay 20% on taxable income up to £37,700 (which means pay up to £50,270 with a full allowance), 40% from there to £125,140, and 45% above that. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above.
| Slice of your pay | What you lose from each extra £1 |
|---|---|
| Basic rate, £12,570 to £50,270 | 28p (20% Income Tax plus 8% NI) |
| Higher rate, £50,270 to £100,000 | 42p (40% plus 2% NI) |
| Between £100,000 and £125,140 | About 62p, because the Personal Allowance is withdrawn at £1 for every £2 of income |
| Above £125,140 | 47p (45% plus 2% NI) |
The 62p slice is why pay rises and bonuses near £100,000 can feel disappointing, and why pension contributions are so effective in that band. Our guide to the £100k tax trap explains the effect, and the take-home pay calculator shows it for your own salary.
Choosing the right calculator
Start with the take-home pay calculator if you want to know what a salary is worth. Use net to gross if you know what you need to take home and want to know what to ask for. If your pay looks wrong, check your tax code first, then compare your payslip with the payslip checker. If you have two jobs, the second job calculator shows why the tax code on your second income is often a flat rate. Before accepting a salary sacrifice scheme, run the numbers in the salary sacrifice calculator, because it affects your pension, your mortgage affordability and some benefits.