From take-home pay and mortgages to pensions, savings, debt and self-employment — everything you need, free and always up to date.
The tools UK workers reach for most — all updated for 2026/27.
Calculators and tools organised by topic.
Describe your idea in plain English and UnAI asks the right questions, then produces a structured brief and roadmap you can actually use. Not a chatbot, not a prompt generator — a thinking partner that turns vague ideas into clear plans.
Every major topic has its own hub — calculators, tools and guides together in one place.
Most people move through these four stages — start where you are and use the right tools at each step.
New tools added to UKCalc — all updated for 2026/27.
Common gross salaries and exact monthly take-home pay. England, Wales & Northern Ireland rates.
After income tax and National Insurance — no pension or student loan deductions
| Gross Salary | Monthly Take-Home | Annual Take-Home | Effective Rate | Tax Band |
|---|---|---|---|---|
| £20,000 | £1,493 | £17,920 | 10.4% | Basic rate |
| £25,000 | £1,793 | £21,520 | 13.9% | Basic rate |
| £30,000 | £2,093 | £25,120 | 16.3% | Basic rate |
| £35,000 | £2,393 | £28,720 | 17.9% | Basic rate |
| £40,000 | £2,693 | £32,320 | 19.2% | Basic rate |
| £45,000 | £2,993 | £35,920 | 20.2% | Basic rate |
| £50,000 | £3,293 | £39,520 | 21.0% | Basic rate |
| £55,000 | £3,538 | £42,457 | 22.8% | Higher rate |
| £60,000 | £3,780 | £45,357 | 24.4% | Higher rate |
| £70,000 | £4,263 | £51,157 | 27.0% | Higher rate |
| £80,000 | £4,746 | £56,957 | 28.8% | Higher rate |
| £85,000 | £4,988 | £59,857 | 29.6% | Higher rate |
| £100,000 | £5,713 | £68,557 | 31.4% | Higher rate |
The questions UK workers are searching for right now — answered with our calculators.
28 in-depth guides to UK tax, salary, mortgages, debt, pensions, self-employment and career finance — with worked examples and 2026/27 figures.
UKCalc is a free UK calculator platform covering personal finance, employment, cars and more. Every tool is updated at the start of each tax year to reflect current HMRC rates, thresholds and legislation.
All calculations use HMRC rates for the 2026/27 tax year (6 April 2026 – 5 April 2027). Figures are estimates for guidance only and do not constitute financial advice. For complex situations — particularly around pensions, Scottish tax rates or tax-code adjustments — we recommend speaking to a qualified accountant or using HMRC's official tools.
Plain-English explainers on tax, salary, mortgages, pensions, debt and savings — all updated for 2026/27 with worked examples and no sign-up required.
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