Calculate Your UK
Take-Home Pay
Free UK salary calculator for PAYE employees, contractors, umbrella workers and the self-employed. Estimated take-home pay using 2026/27 UK tax thresholds.
- Take-Home (Annual)£0
- Income Tax£0
- National Insurance£0
- Pension£0
PayClear provides estimated UK salary and tax calculations based on publicly available HMRC tax thresholds and standard PAYE assumptions. Results may vary depending on your individual tax code, payroll setup and personal circumstances. Full disclaimer · Validation suite →
Annual Pay Statement
Salary Optimisation Tips
Personalised suggestions based on your salary and tax position
Compare Two Salaries
Compare two salaries, tax strategies or employment scenarios
UK Tax Progression Chart
How deductions grow at every salary level — hover any bar to explore
Pension & Salary Forecast
Project your salary, pension pot and lifetime tax position
Simple, Transparent
UK Salary Calculations
PayClear was built to make UK salary and tax calculations simple, fast and transparent — no jargon, no signup, no confusing tables.
Calculations use publicly available 2026/27 UK tax thresholds and standard PAYE assumptions. Your salary data never leaves your browser.
Frequently Asked Questions
Everything you need to know about PayClear and UK salary calculations
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.
UK Cost of Living Comparison
Compare your take-home against rent and living costs across UK cities
Lifestyle Estimator
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UK Salary After Tax — 2026/27
Estimated take-home pay for the most commonly searched UK salary levels