Know exactly what lands in your pocket.

Take-home pay, stamp duty, mortgages and nine more money calculators that show every pound, not just the answer. Free, instant, and nothing you type leaves your device.

  • HMRC rates for 2026/27
  • Private, runs on your device
  • Instant, no sign-up

What will I take home?

You take home£2,393.30a month

£28,719.60 a year
£552.30 a week

82%yours
  • Take-home 82.1%
  • Income tax 12.8%
  • NI 5.1%
See my full payslip

The calculators people use most

All 12 calculators

Take-home pay calculator

Your salary after income tax, National Insurance, student loan and pension.

£35,000 salary £2,393.30 a month
Work out my pay

Stamp duty calculator

Stamp duty for first-time buyers, home movers and second homes.

£300,000 home
Moving home £5,000First-time buyer £0Second home £20,000
Work out my stamp duty

Mortgage calculator

Monthly payments, total interest and what a rate change costs you.

£250,000 over 25 years
At 4% £1,320At 4.5% £1,390At 5% £1,461
Work out my payments
Hourly rate calculator£15 an hour = £29,250 a year Pay rise calculator£3k rise at £35k = £180 a month Student loan repayment calculatorPlan 2 on £35k = £42 a month Self-employed tax calculator£35k profit = £2,431 a month LBTT calculator (Scotland)£300k in Scotland = £4,600 LTT calculator (Wales)£300k in Wales = £4,500 VAT calculator£100 plus VAT = £120 Savings and compound interest calculator£200 a month for 10 years Percentage calculator15% of 240 = 36

Earn £100,000 to £125,140? You keep 38p of every extra pound.

Above £100,000 the tax-free allowance shrinks by £1 for every £2 you earn. Add 40% tax and 2% National Insurance and the next pound you earn is taxed at an effective 62%, more than people earning £200,000 pay.

72pkept per £1 on £30,000

58pkept per £1 on £60,000

38pkept per £1 on £110,000

See what your next pay rise is worth

60% trap0p20p40p60p80p100p£0k£20k£40k£60k£80k£100k£120k£140k£160k
England, Wales and NI Scotland. Pence kept from each extra £1 of salary after income tax and National Insurance, 2026/27.

Money guides, worked through with real numbers

All guides
Hands going through payslip paperwork beside a laptop How to read your payslipTax code, NI letter, YTD, emergency codes: every line of a UK payslip explained with a real example.7 minute read New Bank of England five and ten pound notes The 60% tax trap, and how to get out of itWhy earning between £100,000 and £125,140 costs 62p in every extra pound, and what a pension does about it.6 minute read Someone working out a budget on a laptop and calculator Salary sacrifice: what it really saves youSalary sacrifice versus net pay versus relief at source, worked out in pounds at six salaries.6 minute read A hand holding a set of house keys Stamp duty for first-time buyersPay nothing up to £300,000, 5% up to £500,000, and the cliff edge that costs thousands just above it.6 minute read A row of Victorian terraced houses How much can I borrow for a mortgage?Income multiples, deposits and stress tests, with what each salary can borrow and what it costs a month.7 minute read

What each salary really pays

All 151 salaries
  1. £20,000£1,493 a month90% kept
  2. £25,000£1,793 a month86% kept
  3. £30,000£2,093 a month84% kept
  4. £35,000£2,393 a month82% kept
  5. £40,000£2,693 a month81% kept
  6. £50,000£3,293 a month79% kept
  7. £60,000£3,780 a month76% kept
  8. £75,000£4,505 a month72% kept
  9. £100,000£5,713 a month69% kept
  10. £125,000£6,505 a month62% kept
  11. £150,000£7,607 a month61% kept

Buying a home: the two numbers that matter

Stamp duty by price

Stamp duty by house price

£0k£20k£40k£60k£80k£0k£200k£400k£600k£800k£1m
  • First-time buyer
  • Moving home
  • Second home

What your salary could borrow (4.5 times income)

  1. £25,000£112,500
  2. £35,000£157,500
  3. £45,000£202,500
  4. £55,000£247,500
  5. £70,000£315,000
  6. £90,000£405,000
Monthly cost at 4.5% over 25 years: from £625 to £2,251. How lenders decide

What changed this tax year

April 2026

Plan 5 student loan repayments begin

Graduates who started in England from August 2023 now repay 9% of earnings over £25,000.

April 2026

National Living Wage rises to £12.71

Up 50p an hour for workers aged 21 and over. Full time, that is £24,785 a year.

April 2026

Scottish tax thresholds move up 7.4%

The basic rate now starts at £16,538 and the intermediate rate at £29,527. Higher bands are unchanged.

Budget 2025

Personal allowance frozen to 2031

The tax-free £12,570 stays put until April 2031, so every pay rise pulls more of your income into tax.

Tax deadlines coming up

Every 2026/27 date
  1. Register for self assessmentIf you had untaxed income in 2025/26 and have never filed, tell HMRC by today.
  2. Paper tax return deadlineThe last day to post a 2025/26 paper return.
  3. File online to pay through PAYEOwe under £3,000? File by today and it can come out of your pay code.
  4. Online return and tax dueFile online and pay the balance for 2025/26, plus your first payment on account.

England or Scotland: who takes home more?

Salary England, Wales, NI Scotland Difference a year
£25,000 £1,793 a month £1,797 a month Scotland +£40
£35,000 £2,393 a month £2,392 a month Scotland -£15
£45,000 £2,993 a month £2,960 a month Scotland -£396
£60,000 £3,780 a month £3,634 a month Scotland -£1,750
£80,000 £4,746 a month £4,555 a month Scotland -£2,300
£100,000 £5,713 a month £5,438 a month Scotland -£3,300

Scots earning up to about £33,500 pay slightly less income tax than the rest of the UK. From the higher rate upwards they pay noticeably more.

Questions people ask

Are these calculators up to date?

Yes. Every calculator uses the 2026/27 rates, which run from 6 April 2026 to 5 April 2027. Stamp duty uses the rates in force since 1 April 2025. We check the figures against HMRC and GOV.UK whenever a Budget or Scottish Budget changes them.

Are they free?

Yes, every calculator is free with no sign-up. Adverts on the site pay for it.

Do you store what I type?

No. The sums run in your browser and nothing you type is sent to us.

Why is my payslip a few pounds different?

Payroll works tax out each pay period rather than over the year, and your tax code, benefits or bonuses can change it. Over a full tax year the totals match.