Free UK salary, tax and pension calculators for 2026/27
Work out your 2026/27 UK take-home pay, Income Tax, National Insurance and pension in seconds. It covers Scotland and the rest of the UK. Type your salary and tax code into the calculator above to see every deduction, line by line, using the current Personal Allowance of £12,570 and the latest rates for every band.
Salary and take-home pay
See what lands in your bank account each month after Income Tax, National Insurance, pension contributions and student loan repayments. The payslip view breaks each figure down, so you can check your real payslip against it and spot an emergency tax code or a missing allowance.
Income Tax in Scotland and the rest of the UK
Scottish taxpayers have six bands, from a 19% starter rate to a 48% top rate. The rest of the UK has three, at 20%, 40% and 45%. An "S" tax code switches on Scottish bands automatically, and the Personal Allowance taper above £100,000 is included.
Pensions and salary sacrifice
Compare salary sacrifice, net pay and relief at source side by side to see how each one changes your tax, National Insurance and take-home pay. You can also model employer matching and the pension annual allowance, including tapering for high earners.
Retirement and long-term planning
Project retirement income from pensions, ISAs, savings and the State Pension, then test drawdown, phased spending and different growth rates. Signed-in planners save your plans securely, with all financial data encrypted.
Common questions answered
Short guides answer the questions people search for most, including the £100k tax trap, the Child Benefit charge and student loan thresholds. Each one uses the same figures as the calculators.
UK Finance Planning is an educational comparison tool. It is not a financial adviser and is not authorised by the Financial Conduct Authority. All results are estimates.