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Updated for UK 2026/27 PAYE & contractor support Scotland rates included No signup required Based on publicly available HMRC rates
About PayClear UK

Built to Help You
Keep More of Your Money

PayClear UK exists because millions of UK workers have no easy way to understand their tax position — or what they could be doing differently.

12+
Financial tools
11/11
Validation tests pass
0%
Income tax variance
Free
Always, no registration
2026/27
Fully up to date

Our Mission

Most UK salary calculators haven't changed meaningfully in a decade. They're slow, hard to read, and designed around HMRC's complexity rather than the user's need to understand.

PayClear UK was built with a single goal: give every UK worker — whether employed, self-employed, contracting through a limited company, or working via umbrella — a clear, honest, instantly usable view of their real take-home pay.

We believe financial clarity is a right, not a luxury. When you understand your tax position, you make better decisions: about pension contributions, salary sacrifice, which employment structure suits you, and whether you're paying more tax than you need to.

🎯
Accuracy First
HMRC-verified calculations with 0% variance on all standard test cases
⚡
Instant Results
All calculations run in your browser — no server, no waiting, no data sent
🔓
Always Free
No registration, no paywall, no premium tier. Free for everyone, forever
🛡️
Privacy by Design
Your financial data never leaves your device. We don't store what you enter

How We Build the Calculator

1
HMRC source verification
Every tax rate, threshold and rule is sourced directly from HMRC's published guidance and legislation.
2
Automated validation suite
We run 11 test salaries against expected values each time we update. All must pass before a new version goes live.
3
Cross-check against HMRC tools
We compare our results against the GOV.UK PAYE calculator and HMRC's own tax estimator regularly.
4
User error reports
When users report discrepancies we investigate promptly and update the engine where our logic is wrong.

What We Get Right

✓England, Wales & Scotland income tax bands 2026/27
✓NI at correct 8%/2% 2026/27 rates
✓Personal Allowance taper above £100,000
✓All 5 student loan plans with 2026/27 thresholds
✓Scottish 6-band tax (Starter through Top rate)
✓K codes, BR, D0, D1, NT, 0T tax codes
✓Salary sacrifice (reduces tax & NI base)
✓Ltd company Corp Tax + dividend tax stacking
✓Self-employed Class 2 + Class 4 NI
✓Umbrella company employer NI deduction (15%)
✓Stamp duty — England, Scotland (LBTT) & Wales (LTT)
✓Blind person's allowance & marriage allowance

What PayClear UK Is Not

✗A regulated financial adviser
✗An official HMRC service
✗An accountancy firm
✗A payroll provider
✗A guarantee of your exact tax bill
✗A replacement for professional advice

For complex tax situations — particularly IR35, pension planning, self-assessment, or if you earn above £100,000 — please consult a qualified accountant or financial adviser.

Ready to See Your Real Take-Home?

Free, instant, no registration required. Works for PAYE, self-employed, contractors and umbrella workers.

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