Calculate Your UK
Take-Home Pay

PayClear calculates take-home pay using the publicly available UK 2026/27 HMRC tax thresholds and standard PAYE assumptions. Results are estimates — your actual deductions may vary depending on your personal tax code, employer payroll practices, benefits-in-kind or individual HMRC adjustments. For anything financially significant, verify with HMRC directly or a qualified accountant.

Yes. PayClear includes all six Scottish income tax bands for 2026/27 — Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%) and Top (48%) — with the correct thresholds for each. Simply select "Scotland" from the Region dropdown.

Yes, PayClear is completely free. No registration, no login and no subscription required. All calculations happen directly in your browser — no salary data is ever sent to our servers.

Yes. Under Advanced Options you can enter a pension contribution percentage and choose between Relief at Source, Salary Sacrifice and Net Pay Arrangement. Salary sacrifice also reduces your National Insurance — the calculator shows both the tax and NI saving separately.

Salary sacrifice is an arrangement with your employer to exchange part of your gross salary for a pension contribution (or other non-cash benefit). Because your contractual salary reduces, you pay less income tax and less National Insurance. Use the Salary Sacrifice tab in the calculator to model the exact monthly savings.

Take-home pay is gross salary minus Income Tax, employee National Insurance (Class 1), any pension contribution, and student loan repayments. Income Tax uses your Personal Allowance (£12,570 for 2026/27) and the applicable rate bands. National Insurance applies at 8% on earnings between £12,570 and £50,270, and 2% above.

Yes. PayClear supports all five UK student loan plans with the correct 2026/27 thresholds: Plan 1 (£26,900), Plan 2 (£29,385), Plan 4 Scotland (£33,795), Plan 5 (£25,000) and the Postgraduate Loan (£21,000).

Yes. Use the calculator tabs to switch between PAYE, Self-Employed, Contractor Ltd and Umbrella — each uses separate logic. The Contractor vs PAYE tool gives a direct three-way comparison from a single day rate.