UK Salary & Tax Calculator

Fully updated for the 2026/27 UK Tax Year. Stop guessing your take-home pay. Whether you're navigating the new Plan 5 student loans, dodging the 60% tax trap, or comparing complex job offers, Salary Checker is the UK’s most accurate pay and financial planning app.

We go beyond basic PAYE. See exactly where your money goes with visual charts, optimize your pension contributions, and plan your financial future—all instantly, with no account required.

🚀 NEW FOR 2026/27
100% Accurate HMRC Rates: Updated for the April 2026 tax year, including the latest 15% Employer NI rates and dividend tax changes.

Plan 5 Student Loans: The first calculator to fully integrate the new Plan 5 thresholds, plus stacking for Postgraduate loans.

The 60% "Tax Trap" Alert: Earn over £100k? Our optimizer shows you exactly how much your Personal Allowance drops and how to reclaim it through pension planning.

Visual Pension Optimizer: Instantly compare "Salary Sacrifice" vs. "Net Pay" contributions using real-time visual charts to see your true tax savings.

📊 CORE PAY CALCULATORS
Take Home Pay: See your exact net pay after Income Tax, National Insurance, Pension, and Student Loans.

Reverse Calculator (Net to Gross): Want to take home £3,000 a month? Work backwards to find the exact salary you need to negotiate.

Hourly & Day Rates: Seamlessly convert hourly, daily, or weekly freelance rates into an equivalent annual salary.

Pro Rata Salary: Perfect for part-time workers or those starting a job mid-year.

Side Hustles & Two Jobs: Juggle multiple incomes? Accurately calculate combined tax, including Class 4 NI for the self-employed.

🧠 ADVANCED PLANNING TOOLS
Side-by-Side Job Comparison: Don't just look at the gross offer. Compare two jobs side-by-side to see the actual monthly net gain in your pocket.

Mortgage Affordability: Bridge the gap between your net pay and your dream home. Estimate max borrowing limits and monthly repayments based on your actual take-home pay.

Child Benefit Charge (HICBC): Easily calculate the high-income taper clawback if you or your partner earn over £60,000.

Debt Repayment Planner: Map out the fastest, most cost-effective route to become debt-free.

✅ WHY US?
Regional Accuracy: Full support for standard UK, Scottish, and Welsh tax bands.

Visual Results: Dynamic charts that show exactly where your money goes.

Privacy First: All calculations are done on your device. No sign-ups, no data harvesting.

Dark Mode: Beautiful, OLED-optimized dark mode for night viewing.

Perfect for employees, contractors, freelancers, high-earners, and recent graduates who want to take control of their finances.

Download today and make every penny count.