Salary & Tax Calculators for the UK

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.

Example£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.

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

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

Example£45K salary, Plan 2 → £75/month

Work out how much Statutory Maternity Pay (SMP) you're entitled to. See your week-by-week breakdown, gross and net figures, and how it compares to your normal take-home pay, using the 2026/27 £194.32 weekly rate.

Example£600/week earnings → £9,652 gross SMP over 39 weeks

Check whether your hourly rate meets the UK National Minimum Wage or National Living Wage for your age band. Get a clear pass/fail against the 2026 legal minimum, the shortfall if underpaid, and weekly, monthly, and annual pay equivalents.

Example£11.50/hr, age 21+ → below £12.71/hr National Living Wage, £2,517/yr shortfall

Add VAT to a net price or reverse-calculate VAT out of a VAT-inclusive price. Covers the UK's standard (20%), reduced (5%), and zero (0%) rates, plus a custom rate option, with the £90,000 VAT registration threshold explained.

Example£500 net at 20% → £600 gross (£100 VAT)

Work out how much of your Child Benefit is clawed back between £60,000 and £80,000 of adjusted net income, and the combined effective marginal tax rate this creates.

Example£70,000 income, 2 children: £1,168.70 charge, 53.7% effective marginal rate

Enter the take-home pay you need and get the exact gross salary to ask for, solved against 2026/27 Income Tax bands, Personal Allowance tapering, and National Insurance, with an optional pension contribution.

ExampleNeed £3,000/mo take-home → ask for ~£45,112

Calculate exactly how much tax you pay as a UK sole trader. Enter your profit or estimate it from revenue and expenses, and see Income Tax, Class 4 and Class 2 National Insurance, and your real take-home under 2026/27 Self Assessment rules.

Example£50K profit → £40,268 take-home

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.

Example£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.

Example£650/day outside → ~£8.5K more/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.

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

Compare sacrificing salary into your pension against an EV lease scheme. Calculates income tax and NI saved on each route, the Benefit-in-Kind charge that claws back part of the EV saving, and warns if either amount would breach the National Minimum Wage floor.

Example£90K salary, £450/mo EV sacrifice → pension still wins pound-for-pound

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.

Example3-person seed team → £231K TCE/yr

Calculate the true annual cost of hiring in the UK. Covers uncapped Employer National Insurance (15% above £5,000), the 3% pension auto-enrolment minimum on qualifying earnings, and the Apprenticeship Levy for large employers.

Example£55K salary → ~£63.8K true cost of employment (1.16×)

Work out exactly how much statutory redundancy pay you are entitled to in the UK. Age-banded weeks' pay, the £30,000 tax-free threshold, and tax on any excess or ex-gratia top-up, using the 2026/27 weekly pay cap.

Example£45K salary, age 38, 8 years' service → £5,538 statutory redundancy, tax-free

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.

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

Calculate UK and Ireland RSU tax across both events: Income Tax + NI or PAYE/USC/PRSI at vest, and Capital Gains Tax on any gain at sale. See exactly what lands after tax.

Example500 shares @ £40 vest → real take-home after tax

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.

Example£70K salary vs £400/day → contract +£16K/yr

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.

Example£60K net target → ~£510/day UK limited company

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.

Example£450/day × 220 days → £99K gross

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.

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

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.

ExampleSenior Engineer UK → £75K–£100K band, £100K 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.

Example£75K perm vs £450/day contractor: permanent cheaper after week 21

Compare AI/ML Engineer net pay, contractor economics, and cost-of-living trade-offs across the UK, Ireland, Australia, Canada, Singapore, Hong Kong, UAE, New Zealand, Saudi Arabia, Qatar, and the US. Each market's own take-home tax engine, ranked side by side.

ExampleSenior AI/ML Engineer, 11 markets ranked by net pay

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.

Example£75K hybrid vs £70K remote: remote wins on true hourly rate

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.

Example£65K + 10% raise → +£3,300 net/yr

Find out exactly how much a specific AI skill adds to your salary. Pick your role, seniority, and city to see the real premium for skills like fine-tuning, RAG pipelines, LangChain, and CUDA optimisation in Ireland and the UK.

ExampleSenior AI Engineer London + Fine-tuning (LoRA) → +£26K/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.

Example5% raise + 4% inflation → ahead by £1,000/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.

Example£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.

Example£58k hybrid vs £52k 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.

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

Convert an hourly wage to an annual salary, or an annual salary back to an hourly rate. Adjust hours per week and weeks worked per year to see hourly, daily, weekly, monthly, and annual gross equivalents side by side.

Example$25/hr × 40hrs × 52wks → $52,000/yr gross