Everyday Tool
HMRC Tax Calculator
Estimate take-home pay after Income Tax, National Insurance, pension contributions, student loans, and self-employed taxable profit.
Your Pay
Estimate employee take-home pay for England, Wales, and Northern Ireland.
Assumptions
Income Tax is calculated for England, Wales, and Northern Ireland only.
Self-employed income is treated as annual taxable profit for a steady-year estimate.
Class 2 is shown as a status because it is usually treated as paid rather than deducted.
Planning estimate
Real payslips and Self Assessment bills can differ because of payroll timing, tax code changes, previous earnings, benefits, and rounding.
Your estimated take-home pay for 2026/2027
How we calculated this
Employment breakdown
How we calculated this
Self-employed income breakdown
How we calculated this
Self-employed income effect
This shows the extra annual commitment created by the taxable profit you entered.
Class 2 treated as paid.
Income Tax breakdown
Personal allowance used: £12,570.
| Band | Taxed | Rate | Tax |
|---|---|---|---|
| Basic rate | £32,430 | 20% | £6,486 |
| Higher rate | £0 | 40% | £0 |
| Additional rate | £0 | 45% | £0 |
Employee National Insurance
Employee National Insurance on the PAYE salary only, using annual thresholds.
This card shows employee NI from your salary. If you add self-employed taxable profit, Class 4 NI is shown separately in the self-employed breakdown and included in the overall calculation.
Monthly Take-Home
Privacy note: Your salary, tax code, pension, and student loan details stay in your browser. The calculator runs locally and does not submit these figures to Casually Amazing.
How this HMRC Tax Calculator works
Enter your salary, tax year, tax code, pension contributions, and any student loan plan. The calculator estimates Income Tax, employee National Insurance, pension relief, loan deductions, and your annual and monthly take-home pay.
If you add self-employed taxable profit, the tool works out the extra Income Tax, Class 4 National Insurance, student loan deduction, and estimated amount you keep.
FAQ
Full FAQThis is a take home pay calculator UK users can use for England, Wales, and Northern Ireland. Scotland has different Income Tax bands and is not included in this first version.
Real payroll can differ because employers calculate PAYE and National Insurance by pay period, and HMRC may adjust tax codes during the year.
Self-employed figures are annual estimates. Your Self Assessment return may include other adjustments, allowances, payments on account, or previous-year balances.
What counts as take-home pay
Take-home pay is the money left after the main deductions from your income. For a PAYE salary, that usually means Income Tax, employee National Insurance, pension contributions, and student loan repayments where they apply.
Relief-at-source pension contributions work differently from salary sacrifice. You pay a net contribution, the pension provider claims basic-rate tax relief, and higher-rate relief may be reflected through the wider Income Tax calculation.
This calculator keeps those items visible so you can see why the final monthly take-home number changes when you adjust salary, pension, tax code, or side income.
Self-employed income alongside PAYE
A second income from self-employment does not get a separate personal allowance. The taxable profit is added to your other income when estimating Income Tax.
Employee National Insurance remains linked to your job, while self-employed profit can create Class 4 National Insurance. Current Class 2 rules usually protect your record once profits pass the small profits threshold without adding a normal charge.
Student loan and postgraduate loan deductions can also increase when self-employed profit is added, because Self Assessment looks at annual income.
Tax year assumptions
Supported years
The calculator supports 2025/2026 and 2026/2027, with tax year rules stored in a reusable data layer so new years can be added during annual updates.
NI estimates
Employee National Insurance is shown as both a monthly pay-period estimate and an annualised estimate. The headline take-home uses the monthly version.
Not tax advice
Use the figures for planning rather than filing. Benefits, tax code changes, previous earnings, and Self Assessment adjustments can all change the final amount.
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