Income & Tax

Calculate your take-home pay after income tax, National Insurance, student loans, and pension. 2024/25, 2025/26 and 2026/27 HMRC tax rates.

Find out what gross salary you need to take home a specific amount after tax, NI, student loans, and pension.

See how the £100k-£125,140 personal allowance taper creates a 60% effective tax rate. Visualise the trap and plan around it.

Compare two job offers side by side. See the difference in take-home pay after tax, NI, and deductions.

Find out where your salary ranks among UK full-time employees. See your income percentile, compare to the median, and discover what it takes to reach the top 10%, 5%, or 1%.

See how much of a pay raise you actually keep after tax and NI. Shows marginal rate and personal allowance taper warnings.

Calculate how much of your UK bonus you actually take home after income tax, National Insurance, student loans, and pension. See your marginal rate and deduction breakdown.

Check if HMRC owes you a tax refund. Enter your income and actual tax paid to instantly see if you've overpaid income tax or National Insurance. Free, no signup.

Calculate your real hourly rate after tax, NI, pension, and student loans. See gross and net hourly rates, overtime earnings, and marginal rate on extra hours.

Calculate your pro-rata salary and take-home pay for part-time work. See the real cost of going part-time after tax and NI savings.

Calculate when your UK student loan will be paid off, how much you'll actually repay, and how much gets written off. Plans 1, 2, 4, 5 and Postgraduate.

Calculate how much you save with salary sacrifice schemes: pension, Cycle to Work, EV lease, tech schemes. See tax and NI savings and your effective discount.

See the total cost to your employer vs what you take home. Includes employer NI (15%), pension contributions, and a visual breakdown of where every pound goes.

Calculate the full value of your UK compensation package after tax. Base salary, bonus, RSUs/equity, employer pension, and benefits — see what you actually take home.

Compare contractor day rates to permanent salaries. See the real equivalent after holidays, pension, employer NI, and IR35. Find out if contracting pays more.

Calculate the real tax cost of your employee benefits: company car, private medical insurance, and other taxable benefits. Shows P11D value, BIK tax, and employer NI.

Calculate your total career earnings: gross, net, tax, NI, and pension. See the value of a 1% raise over your remaining career and year-by-year projections.

Calculate the combined tax on two jobs or a side hustle. See how much of your second income you actually keep after tax and NI, with HICBC and PA taper warnings.

Calculate your maternity pay (SMP), paternity pay (SPP), or sick pay (SSP) month by month. Compare statutory vs enhanced employer schemes and see your income gap during leave. 2025/26 rates.

Calculate your projected pension pot, State Pension, and retirement income. See if you're on track with PLSA standards. Workplace pension, salary sacrifice, and pension gap analysis.

Check your pension annual allowance for 2025/26. Calculate carry forward from previous years, tapered allowance for high earners, MPAA, tax charge on excess contributions, and how much tax relief you can claim.

Calculate Capital Gains Tax on shares, property, or other assets. See your CGT bill, rate breakdown, and tax-efficient disposal tips. 2025/26 rates.

Calculate dividend tax on your salary and dividend income. See how much you save by splitting income as a company director. 2025/26 rates.

Calculate Inheritance Tax on your estate. See your IHT bill, nil-rate band, residence nil-rate band, spousal transfer, gift taper relief, and charitable giving. 2025/26 thresholds.

Check if your salary has kept up with inflation. See your real-terms pay change, purchasing power, and how you compare to the UK median. Uses ONS CPI data.

Calculate your statutory redundancy pay based on age, years of service, and weekly pay. See your entitlement by age band, enhanced packages, notice pay, and tax treatment. 2025/26 rates.