Tax & Salary Calculators UK
Reviewed against official UK sources by the FreeCalculator editorial team Methodology Editorial policy
Whether you’re employed or self-employed, these tools turn a gross figure into the number that actually lands in your account — and explain every deduction along the way, from income tax and National Insurance to pension and student loan.
All figures use the current 2026/27 rates, with the source and last-verified date shown on each page.
Employed: pay, tax & National Insurance
Your gross salary is reduced by income tax, National Insurance and often a pension and student-loan repayment before you’re paid. The Salary Calculator shows the full monthly and yearly breakdown, while the Income Tax Calculator focuses on the bands — the tax-free personal allowance, the 20% / 40% / 45% rates, the 60% “trap” between £100,000 and £125,140, and the separate Scottish bands.
Self-employed & freelance
Working for yourself changes how tax is worked out: you pay Class 4 National Insurance instead of Class 1, settle up through Self Assessment, and may make payments on account towards next year’s bill. The Self-Employed Tax Calculator estimates the lot from your profit. Comparing an offer against a payslip? Check it against the Salary Calculator too.
Guides
In-depth, plain-English guides that go deeper than the calculators.
How take-home pay is calculated
Every deduction between gross and net — income tax, NI, pension and student loan — with a full £35,000 worked example.
Read guide →UK income tax explained
The personal allowance, how the 20/40/45% bands really work, Scottish rates, the 60% trap — and the allowances that legally cut your bill.
Read guide →Self-employed tax explained
Income tax on profits, Class 4 NI, the payments-on-account cashflow shock and every deadline — with a £45,000 worked example.
Read guide →Frequently asked questions
- Which tax calculator should I use?
- If you’re paid through PAYE, use the Salary Calculator for your take-home pay or the Income Tax Calculator to focus on the bands. If you’re self-employed, use the Self-Employed Tax Calculator, which includes Class 4 National Insurance.
- Are these 2026/27 tax rates?
- Yes. Income tax bands, the personal allowance, National Insurance and student-loan thresholds are taken from HMRC and dated on each calculator page, with a link to the source.
- Do they include National Insurance, pension and student loan?
- The Salary Calculator includes National Insurance and optional pension and student-loan deductions, so you see true take-home pay. Each page explains exactly what is and isn’t included.
- Do these work for Scotland?
- Yes. The Salary and Income Tax calculators apply the separate Scottish income tax bands when you select Scotland; National Insurance is the same UK-wide.
Results are estimates for guidance only and are not financial advice. See each calculator page for its worked example, sources and the date its rates were last verified.