Every salary and income calculator you need — take-home pay, PAYE, overtime, hourly rates and contractor income. Free, no sign-up, always current.
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Calculators
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2026/27
Tax rates
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Take-Home Pay & PAYE
Find out exactly how much you take home after income tax, National Insurance, pension contributions and student loan deductions — using 2026/27 HMRC rates.
Convert between annual salary, hourly rate and daily rate — or calculate overtime pay. Useful for comparing job offers, negotiating pay, and checking whether a contract rate is competitive.
Calculate your take-home pay as a sole trader or limited company contractor. See the difference between PAYE employment and contracting, and find the most tax-efficient structure.
Understand how pension contributions, salary sacrifice and other deductions affect your net pay. Maximising pension contributions is the most effective way to increase your take-home pay for higher earners.
In-depth guides covering UK salary levels, income tax, PAYE and pay benchmarks. Find out whether your salary is above or below the UK average for your age and location.
All UKCalc salary tools are updated for the 2026/27 tax year (6 April 2026 to 5 April 2027) and use the latest HMRC rates for income tax, National Insurance and student loan thresholds.
Key 2026/27 figures used in every calculator:
Personal allowance: £12,570 (income below this is tax-free)
Basic rate (20%): Income £12,571–£50,270
Higher rate (40%): Income £50,271–£125,140
Additional rate (45%): Income above £125,140
Employee NI (8%): Earnings £12,570–£50,270; then 2% above
Plan 2 student loan (9%): Income above £27,295
Results are for guidance only and based on standard tax codes. They do not constitute financial or tax advice. If you have complex tax affairs, consult a qualified accountant or use HMRC's own tools.
Salary & PAYE — Frequently Asked Questions
Your take-home pay is your gross salary minus income tax, National Insurance, pension contributions and any student loan repayments. Use the Take-Home Pay Calculator for an exact figure. The main deductions for a standard employee in 2026/27 are: income tax at 20% on earnings between £12,570 and £50,270 (40% above that), and employee NI at 8% between £12,570 and £50,270 (2% above).
PAYE (Pay As You Earn) is HMRC's system for collecting income tax and National Insurance from employees automatically. Your employer deducts the correct tax from each payslip using a tax code issued by HMRC. The standard code for 2026/27 is 1257L (reflecting the £12,570 personal allowance). If your tax code changes — for example because you have a second job or untaxed income — HMRC will notify both you and your employer. See the full PAYE Explained guide.
According to ONS data, the median full-time UK salary is approximately £35,000–£37,000 per year. The mean is higher (around £38,000–£40,000) because a small number of very high earners pull the average up. Take-home pay on a £35,000 salary is roughly £27,500–£28,000 after income tax and National Insurance. See Average UK Salary by Age for a detailed breakdown.
Salary sacrifice pension contributions reduce your gross taxable salary before income tax and National Insurance are calculated. This means you save both income tax AND NI on the amount sacrificed — making it more efficient than a standard pension contribution. A basic-rate taxpayer saves 28p per £1 sacrificed (20% tax + 8% NI). A higher-rate taxpayer saves 42p per £1 (40% tax + 2% NI). Read the Salary Sacrifice Pension guide for full examples.
To convert an annual salary to an hourly rate, divide by the number of working hours in a year. For a standard 37.5-hour week with 28 days of holiday, that is roughly 1,820 hours per year. A £35,000 salary equates to approximately £19.23/hour. Use the Hourly Rate Calculator to get the exact figure and see how it compares to the National Living Wage.