Salary & Tax Calculators for the UK

Model the real annual cost of hiring an engineering team in the UK. Add roles, set London or regional rates, and get a full Total Cost of Employment breakdown including Employer NI and pension. Pre-loaded Seed and Series A templates.

3-person seed team → £231K TCE/yr

See how a direct employer SIPP contribution from your limited company compares to taking money as a dividend or salary. Calculates Corporation Tax saved, NI avoided, and the pension wealth multiplier using 2026/27 rates.

£20K direct SIPP vs £11.5K dividend: 1.74× more in pension

Calculate your exact UK net pay after Income Tax (20% / 40% / 45%) and Class 1 NI using 2026/27 HMRC rates, including Personal Allowance tapering above £100,000. Model a pension salary sacrifice to see how much it takes to restore your full allowance.

£60K gross → ~£45.4K take-home

Calculate your exact take-home pay if you live in Scotland. Uses all six Scottish income tax bands (19% starter to 48% top rate) including the 42% higher rate. Shows side-by-side difference vs England and Wales.

£60K gross → £43.6K Scotland vs £45.4K England

Plan your optimal UK limited company extraction strategy for 2026/27. Compare salary, dividend and employer SIPP routes side by side, with corporation tax, personal allowance taper, SIPP annual allowance warnings and Marriage Allowance.

£600/day → £12.6K salary + £60K SIPP + dividends on the rest

See exactly how much more you take home outside IR35 versus inside IR35. Full limited company vs umbrella breakdown with corporation tax, dividend tax, and the exact £ difference.

£650/day outside → ~£8.5K more/yr

Calculate monthly repayments across all UK student loan plans simultaneously alongside your full take-home after income tax and National Insurance.

£45K salary, Plan 2 → £75/month

Generate a publishable salary band for any tech role in Ireland or the UK. Set a defensible pay range that meets EU Pay Transparency Directive requirements, with employer cost at the midpoint and ready-to-paste job posting copy.

Senior Engineer Ireland → €89K–€120K band, €120K employer cost

Is it cheaper to hire a contractor or a permanent employee? Compare total employer cost across 3, 6, 9, and 12-month engagements. Includes break-even day rate, recruitment fee impact, and full TCE analysis for Ireland and UK.

€85K perm vs €500/day contractor: permanent cheaper after week 21

Find out exactly how much of your bonus you receive after tax. Enter your base salary and bonus to see net take-home, the effective tax rate on your bonus, which bands it crosses, and your total annual take-home. Covers the UK 60% tax trap and Ireland's 52% marginal rate.

£10K bonus at £80K salary → £5,800 net (42% marginal rate)

Compare two job offers side by side using real after-tax net income, confidence-weighted bonus, employer pension match, commute cash cost, and true hourly rate. Works for Ireland and UK, including cross-border EUR/GBP comparisons.

€85K hybrid vs €80K remote: remote wins on true hourly rate

Compare your true net take-home from a permanent salary against a contract day rate, side by side after all taxes. See the break-even day rate and which option puts more money in your pocket.

€80K salary vs €450/day → contract +€18K/yr

Find out how much you can actually borrow as an IT contractor. Uses the specialist day-rate underwriting formula (day rate × 5 × 46 weeks) instead of your director salary. Shows the full gap between high street banks and contractor-specialist lenders.

£600/day → up to £759K borrowing (vs £50K high street)

Find the exact day rate you need to charge to hit your target net income. Works backwards from what you want to take home, accounting for taxes, business overheads, public holidays, leave, and gap time between contracts.

€70K net target → ~€590/day Ireland sole trader

Find out exactly how much of your pay rise you actually keep after tax. Enter your salary and raise percentage to see your real net increase, monthly gain, and how much goes to Revenue or HMRC.

€75K + 10% raise → +€3,700 net/yr

Is your pay rise actually keeping pace with inflation? See your real purchasing power change after tax, and calculate the minimum gross raise you need to maintain your standard of living.

5% raise + 4% inflation → ahead by €1,200/yr

Moving city? Find out what salary you need in your new location to maintain your current standard of living. Combines after-tax take-home with cost of living adjustment across Dublin, London, Manchester, Birmingham, and Edinburgh.

£65K in Manchester → need €97K in Dublin

Find out whether a higher hybrid salary is actually worth the commute. Compares true net income after tax, travel, meals, wardrobe, and the opportunity cost of commuting time. Ireland and UK 2026 rates.

€65k hybrid vs €58k remote: who wins?

Compare net take-home from a Dublin salary in EUR and a London salary in GBP, converted to a common currency for a fair side-by-side comparison after all Irish and UK taxes.

€90K Dublin vs £80K London: who nets more?

Convert any contractor day rate to an annual gross equivalent. Adjust billable days and unpaid time off to get a realistic annual figure, then link through to full take-home calculators.

€500/day × 220 days → €110K gross