UK pay, pension & family-finance calculators.
Your numbers, with HMRC's rules, in plain English. Free and ad-light.
Pick what you're working out
Every calculator runs your numbers against the live 2025/26 HMRC rates and shows the working, not just the answer.
Family
Tax-Free Childcare calculator
See the government top-up on your childcare, up to £2,000 per child.
Pay
Take-home pay calculator
PAYE income tax, National Insurance and take-home pay for 2025/26.
Pension
Salary sacrifice calculator
How much salary-sacrifice pension saves you in tax and NI.
Coming soonPension
Pension drawdown calculator
Estimate the tax on withdrawing from your pension pot.
Coming soonPay
Student loan repayment calculator
Plan 1, 2, 4, 5 and postgraduate repayments for 2025/26.
Coming soonPay
Bonus tax calculator
How much of your bonus you keep after tax and NI.
Coming soonThe rules · 2025/26
UK income tax & NI at a glance
England, Wales & Northern Ireland bands. Scotland uses six bands, shown in the take-home calculator.
Personal Allowance £12,570 · tapered above £100,000
Up to £37,700 (Basic)20%
£37,701 to £125,140 (Higher)40%
Over £125,140 (Additional)45%
National Insurance is 8% on earnings between £12,570 and £50,270, then 2% above.
Watch the roughly 60% marginal trap between £100,000 and £125,140 as the Personal Allowance is withdrawn.