Important: All calculations on PayClear UK are estimates based on published HMRC rates. They are not a substitute for professional financial or tax advice. Please read this disclaimer carefully before relying on any figures shown on this Site.
General Disclaimer
PayClear UK (payclear.co.uk) provides free online salary and tax calculators for informational and educational purposes only. Nothing on this website constitutes financial advice, tax advice, accounting advice or any other form of professional advice regulated by the Financial Conduct Authority (FCA) or any other regulatory body.
We are not a regulated financial services firm. We are not accountants, tax advisers or financial planners. We do not hold any FCA authorisation or HMRC agent status.
Calculation Accuracy
Our calculators are based on officially published HMRC rates and thresholds for the 2026/27 tax year (and earlier years where selected). We make every reasonable effort to keep our rates accurate and up to date.
However, your actual PAYE deductions may differ from our estimates for reasons including but not limited to:
- Your specific tax code issued by HMRC (which may reflect previous underpayments, benefits-in-kind or other adjustments)
- Employer-specific payroll practices and timing
- Multiple employments or pension incomes
- Benefits-in-kind and salary sacrifice arrangements agreed with your employer
- HMRC coding notices and adjustments
- Scottish, Welsh or Northern Ireland rates where applicable
- Changes in legislation between our last update and the current date
- Rounding differences between annual and payroll-period calculations
Not Financial or Tax Advice
Information on this Site — including salary breakdowns, tax estimates, pension projections, stamp duty calculations and student loan repayment forecasts — is provided for general guidance only.
Before making any significant financial decision based on figures from this Site, you should:
- Consult a qualified accountant or tax adviser
- Verify your tax position directly with HMRC via your personal tax account
- Seek independent financial advice for pension, investment or retirement planning
- Consult a solicitor or conveyancer for property transaction costs
Pension and Investment Projections
Pension pot forecasts and investment growth projections shown on this Site are illustrative only. They assume a fixed rate of return (typically 7% per annum) and do not account for inflation, fund charges, market volatility, contribution gaps or changing tax rules.
The value of investments can go down as well as up. Past performance is not a guide to future returns. Pension projections are not guaranteed.
Stamp Duty and Property
Stamp duty (SDLT) calculations are based on current published government rates for England, Scotland (LBTT) and Wales (LTT). They are estimates only. Transaction-specific rules (such as multiple dwellings relief, mixed-use properties or first-time buyer edge cases) may apply and could alter the amount due. Always confirm SDLT liability with your solicitor or conveyancer before exchange of contracts.
Student Loan Repayments
Student loan repayment estimates assume the salary and interest rate remain constant over the projection period. Actual repayments are calculated on a payroll basis by your employer and administered by the Student Loans Company. Your actual write-off date and total paid may differ significantly from our projections.
Third-Party Links
This Site may link to HMRC, government websites or third-party financial services. We accept no responsibility for the accuracy, completeness or currency of information on those sites.
Limitation of Liability
To the maximum extent permitted by law, PayClear UK, its operators, contributors and hosting providers shall not be liable for any loss, damage or expense (whether direct, indirect, consequential or otherwise) arising from your use of, or reliance on, any information or calculation on this Site.
This disclaimer does not affect your statutory rights as a consumer under applicable English law.
Updates to This Disclaimer
Tax rules and HMRC thresholds change. We update our calculators to reflect published changes as promptly as reasonably possible, but we cannot guarantee that information is always current at the exact moment of any legislative change. Check the tax year selector on each calculator to ensure you are using the correct year's rates.
This disclaimer was last updated on 1 June 2026. If you have questions, please contact us.