Take-home pay,
calculated cleanly.
A quick, accurate calculator for the three most common UK tax scenarios — employed on PAYE, self-employed, and director taking salary plus dividends. Income tax, National Insurance and dividend tax broken out band by band.
Tax year 2026 / 27
England · Wales · NI
Scotland: separate bands — ask us.
Rates & thresholds change each April
Before tax & deductions
Profit after allowable expenses
Gross dividends paid in the year
A note on accuracy
This calculator covers the standard cases. It does not include student loans, pension contributions, salary sacrifice, the marriage allowance, blind person's allowance, or any region-specific rates (Scotland has its own bands).
For your specific position — including the items above — speak with us.
Annual take-home
£0
£0
/ month
£0
/ week
0%
Effective
| Gross income | £0 |
| Income tax | £0 |
| National Insurance | £0 |
| Total deductions | £0 |
› Show full band breakdown
The numbers
behind the
numbers.
Below are the rates, thresholds and allowances driving the calculation, for the 2026/27 tax year. These shift in April each year — we update this page when they do.
Personal allowance
£12,570
Tapers by £1 for every £2 of income above £100,000. Fully gone at £125,140.
Basic rate (20%)
£12,571 – £50,270
First £37,700 of taxable income above the personal allowance.
Higher rate (40%)
£50,271 – £125,140
Where most of the marginal-rate complexity lives, especially around the £100k taper.
Additional rate (45%)
Above £125,140
Personal allowance is zero by this point; the £125,140 threshold is gross income.
Employee NI
8% / 2%
8% on £12,570 – £50,270, 2% above. Self-employed Class 4 is 6% / 2% on the same thresholds.
Dividend tax
8.75 / 33.75 / 39.35 %
After a £500 dividend allowance. Rates depend on which income tax band the dividend falls in.
The standard
cases, not
every case.
This calculator is deliberately scoped to the most common scenarios. The following items materially affect take-home pay but are not modelled here:
- 01 Student loan repayments — Plans 1, 2, 4, 5 and Postgraduate, each with different thresholds and a 9% (or 6%) repayment rate.
- 02 Pension contributions — salary sacrifice, net-pay and relief-at-source schemes all affect taxable income differently.
- 03 Marriage allowance — up to £252 of personal allowance can be transferred between spouses where eligible.
- 04 Scotland — Scottish income tax has five bands (Starter, Basic, Intermediate, Higher, Top) at different rates. NI is the same.
- 05 Savings interest — the personal savings allowance (£1,000 / £500 / £0 depending on band) and starting rate for savings need to be considered if you have meaningful interest income.
- 06 Benefits in kind — company car, private medical, gym memberships and other P11D items are taxed but not modelled here.
- 07 High Income Child Benefit Charge — reduces benefit between £60,000 and £80,000 of adjusted net income; doesn't appear in this calculator.
If any of the above apply to you, the figure on the right is an approximation. Speak to us for the proper number.
Want this verified
against your specific
position?
A short call with a qualified accountant. We’ll work through the calculator with your actual numbers, factor in everything this page omits, and tell you whether you’re on the optimal arrangement.