UK calculators, 2026/27
UK pay calculators
Every MyRealSalary tool for the 2026/27 tax year, from take-home pay to National Insurance and tax codes. Each one shows its working and the date its rules were checked.
Take-home pay
- Take-home pay calculatorIncome tax, National Insurance, student loan and pension on any salary.
- Salary after taxTake-home pay for common salaries from £10,000 to £500,000.
- Hourly pay after taxTake-home pay for common hourly rates.
- Pay rise calculatorHow much of a rise reaches your bank account.
- £100k tax trap calculatorAdjusted net income, the 62% rate and the Child Benefit charge.
Pay converters
- Salary to hourly calculatorA yearly salary as an hourly, daily and weekly rate.
- Monthly salary calculatorMonthly pay before tax to take-home pay.
- Weekly pay calculatorWeekly pay before tax to take-home pay.
- Hourly wage calculatorAn hourly rate to a salary and take-home pay.
- Pro rata salary calculatorPart-time pay from a full-time salary.
Tax, National Insurance and codes
- National Insurance calculatorEmployee NI on weekly, monthly or yearly pay, by category letter.
- Tax code checkerWhat each part of your tax code means.
- Student loan repayment calculatorPlan 1, 2, 4, 5 and Postgraduate repayments.
- Salary sacrifice calculatorSalary sacrifice, net pay and relief at source compared.
Guides
- UK tax rates 2026/27Income tax bands, NI, student loans and Child Benefit.
- National Insurance rates 2026/27Thresholds, rates and every category letter.
- Scottish income tax 2026/27Scotland's six bands and how they compare.
- Tax codes explained1257L, BR, D0, D1, 0T, NT, K and emergency codes.
- Why your payslip differsWhy payroll and calculators can disagree.
- Budget 2026What is already decided, and what we will update.
- How we calculateSteps, assumptions, sources and test cases.
Tax code explainers
- 1257LThe standard code: £12,570 tax-free.
- BRAll pay from this job taxed at 20%.
- D0All pay taxed at 40% (SD0: 21%).
- D1All pay taxed at 45% (SD1: 42%).
- 0TNo tax-free allowance on this job.
- NTNo tax taken from this income.
- K codesExtra taxable pay added, such as K475.
- Emergency codesW1, M1 and X: each payday on its own.
These figures are estimates based on the information you entered and the 2026/27 rates and thresholds published by HMRC (and, for Scottish taxpayers, the Scottish Parliament). They are general information, not tax, financial or legal advice. Your actual take-home pay can differ, for example because of your tax code, pension arrangements, benefits, student loan plan or payroll timing. Check your payslip, or ask your employer or HMRC, before relying on these figures.