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Statutory take-home pay, reverse gross-to-net solvers, hourly wages, pro-rata, Scottish rates, overtime, bonus taxes, and payslip checks.
Estimate net monthly and annual take-home pay after 2026/27 Income Tax, Class 1 NI, and pension deductions.
Estimate the gross salary required to achieve your target monthly or annual net take-home pay.
Comprehensive breakdown of gross earnings into statutory Income Tax, National Insurance, and net disposable income.
Quick conversion of gross salary to annual, monthly, weekly, and daily net take-home pay under HMRC rules.
Estimate annual Income Tax and employee NI under a selected tax code; this does not reconstruct cumulative payroll.
Clear overview of take-home pay across England, Wales, and Northern Ireland with statutory tax band breakdowns.
Convert hourly pay rates into equivalent weekly, monthly, and annual take-home earnings with overtime modelling.
Calculate net weekly wage slips, weekly National Insurance thresholds, and cumulative PAYE tax deductions.
Apportion full-time equivalent (FTE) salaries for part-time, term-time, and flexible working arrangements.
Model split Personal Allowance, BR and D0 tax codes, and separate Class 1 National Insurance thresholds.
Compute take-home pay under Scotland's 6 devolved tax bands (19% to 48%) and compare with English PAYE.
Estimate net cash kept from time-and-a-half and double-time overtime hours across marginal tax bands.
Determine marginal tax, National Insurance, and student loan deductions on performance bonuses and commissions.
Calculate take-home earnings on sales commissions, tiered bonus targets, and monthly incentive payments.
Verify statutory compliance with the National Living Wage (£12.71/hr) and calculate minimum wage net pay.
Discover how much of a salary increase or promotion actually reaches your bank account after marginal deductions.
Itemise total tax liabilities across Personal Allowance, Basic (20%), Higher (40%), and Additional (45%) tiers.
Aggregate total statutory deductions including PAYE tax, employee NI, student loans, and workplace pensions.
Decode HMRC tax codes including 1257L, BR, 0T, K codes, and calculate individual tax-free allowances.
Model non-cumulative emergency tax codes (1257L W1/M1) and calculate anticipated HMRC rebate amounts.
Compare total PAYE tax withheld against actual statutory liability to quantify your HMRC tax refund claim.
Generate formal, statutory claim letters for overpaid PAYE income tax and emergency tax deductions.
Model a full statutory UK payslip with gross pay, tax code, NI category A, and net salary disbursement.
Calculate employee Class 1 NI (8% and 2%) and secondary employer NI (15.0% above £5,000) under NICA 2025.
Calculate 9% salary deductions across Plan 1, Plan 2, Plan 4, Plan 5, and 6% Postgraduate loan thresholds.
Forecast statutory loan write-off timelines, total repayments, and projected interest accumulation.
Evaluate whether voluntary lump-sum overpayments save money or are wasted before statutory loan cancellation.
Agenda for Change Bands 2 to 9, London High Cost Area Supplements (HCAS), and tiered NHS pension contributions.
Calculate net pay on Main (M1–M6) and Upper (U1–U3) pay scales, TLR allowances, and Teachers' Pension tiers.
Calculate statutory 5.6-week entitlement and 12.07% rolled-up holiday pay for irregular and zero-hours workers.
Calculate statutory redundancy pay based on age, service years, and apply the £30,000 tax exemption under s.401 ITEPA.
Calculate Post-Employment Notice Pay (PENP) and taxable pay in lieu of notice under termination rules.
Apportion redundancy severance, ex-gratia payments, restrictive covenants, and statutory exemptions.
Allocate true disposable net income across essential needs, discretionary lifestyle, and long-term savings.
Determine sensible vehicle finance, PCP, and running costs aligned with your net monthly take-home pay.
Establish 3 to 6 months of essential living expenses based on net household cashflow and fixed outgoings.
Explore an allowance illustration with the tool’s eligibility and tax-code assumptions.
Compare an earnings-deduction illustration and the residence, voyage and record-keeping conditions.
Limited company salary vs dividend optimisation, Corporation Tax bands, DLA section 455 charges, PSA gross-up, R&D credits, and company car BIK.
Compare optimal £12,570 director salary and dividend splits against standard PAYE to minimise combined corporate tax.
Model Small Profits (19%), Main Rate (25%), and Marginal Relief between £50,000 and £250,000 taxable profits.
Calculate 33.75% Corporation Tax charge under s455 CTA 2010 on overdrawn balances outstanding after 9 months.
Calculate employer tax and Class 1B NI liabilities when grossing up minor, irregular staff perks and entertainment.
Model statutory Corporation Tax credits under the unified Merged R&D Scheme and Enhanced R&D Intensive Support.
Quantify Corporation Tax reductions to an effective 10% rate on worldwide profits from patented inventions.
Calculate total employer overheads including 15.0% secondary NI above £5,000, 3% pension, and apprenticeship levy.
Calculate the 0.5% statutory apprenticeship levy and £15,000 annual allowance for payrolls exceeding £3 million.
Model tax advantages on qualifying EMI options, CGT treatment, and BADR eligibility upon enterprise exit.
Calculate Benefit-in-Kind (BIK) tax on company vehicles using CO2 emissions, P11D values, and marginal tax rates.
Compare taking a company car against an equivalent taxable cash allowance under OpRA salary sacrifice rules.
Compare an electric-car salary-sacrifice illustration with its benefit tax and stated assumptions.
Calculate statutory company car fuel reimbursements and private mileage deductions using official quarterly HMRC rates.
Calculate standard flat-rate van benefit (£4,020) and private fuel charge BIK for commercial company vehicles.
Determine BIK and Corporation Tax capital allowance treatment following HMRC classification changes for pickups.
Model income tax and National Insurance savings on bicycles and commuter safety equipment through employer schemes.
Claim statutory mileage allowance relief under s.230 ITEPA for unreimbursed business miles driven in personal vehicles.
Sole trader Class 4 NI, CIS subcontractor deductions, umbrella company payroll, contractor day rates, and Payments on Account.
Calculate Class 4 National Insurance (6% and 2%) and progressive Income Tax on sole trader trading profits.
Compare net retained profit between sole trader self-assessment and a limited company salary/dividend structure.
Estimate net monthly earnings, allowable business expense deductions, and mandatory tax payment reserves.
Calculate Construction Industry Scheme deductions on labour invoices and model annual self-assessment CIS tax refunds.
Calculate genuine net pay through an umbrella company after assignment rate, employer NI, apprenticeship levy, and margin.
Convert contractor daily rates (£350–£1,000/day) into equivalent permanent salaries after unpaid leave and taxes.
Forecast statutory HMRC Payments on Account instalments and balancing payments to avoid cashflow surprises.
Track statutory 31 October paper and 31 January digital filing dates and calculate daily HMRC late penalties.
Combine PAYE employment earnings with freelance sole trader profits and apply the £1,000 statutory trading allowance.
Add or reverse 20% standard and 5% reduced VAT, check the £90,000 registration threshold, and calculate invoice totals.
Buy-to-let Section 24 mortgage interest relief, FHL regime transition, SDLT, Scotland LBTT, Wales LTT, and non-dom FIG taxation.
Model Section 24 mortgage interest relief restrictions (20% basic tax credit) and calculate net landlord cashflow.
Assess the tax impact of the abolition of the FHL regime, loss of capital allowances, and transition to standard BTL rules.
Calculate SDLT across progressive price bands in England and Northern Ireland, including First-Time Buyer Relief up to £425,000.
Compute lower non-residential SDLT rates on qualifying mixed-use commercial and residential real estate acquisitions.
Calculate total SDLT including the statutory 5% Higher Rates for Additional Dwellings (HRAD) on second homes and buy-to-lets.
Calculate Land and Buildings Transaction Tax (LBTT) and the 6% Additional Dwelling Supplement (ADS) on Scottish property.
Calculate Welsh Land Transaction Tax (LTT) and higher residential rates payable to the Welsh Revenue Authority.
Estimate annual council tax liabilities across valuation bands A to H, single-person 25% discounts, and monthly instalments.
Model maximum borrowing capacity based on statutory FCA stress-testing, net disposable income, and loan-to-income limits.
Model UK tax liabilities under the 4-year Foreign Income and Gains (FIG) regime replacing remittance basis non-dom rules.
Business Asset Disposal Relief (18%), Capital Gains Tax, Inheritance Tax, trust tax, pension annual allowance tapering, and savings interest.
Calculate Capital Gains Tax under statutory 18% BADR rules on qualifying business sales up to the £1m lifetime limit.
Calculate CGT on residential property, shares, and collectibles after the statutory £3,000 annual exempt amount.
Calculate Capital Gains and Income Tax on crypto disposals, staking rewards, mining, and DeFi transactions using pooling rules.
Model the £325,000 Nil-Rate Band, £175,000 Residence Nil-Rate Band, and £1m transferable spousal allowances.
Calculate Inheritance Tax liabilities on Potentially Exempt Transfers (PETs) using HMRC's statutory 7-year taper relief scale.
Compute income and capital gains tax liabilities for discretionary and interest-in-possession trusts under UK statutory rules.
Calculate pension annual allowance tapering down from £60,000 to £10,000 for threshold income over £200k and adjusted income over £260k.
Track the standard £60,000 annual pension contribution cap and utilise 3-year unused carry forward allowances.
Model the £268,275 Lump Sum Allowance (LSA) and £1,073,100 Lump Sum and Death Benefit Allowance (LSDBA).
Calculate 5% employee and 3% employer auto-enrolment pension contributions and compare relief-at-source vs net pay.
Stress-test retirement income sustainability against state pension age, living expenses, and safe withdrawal rates.
Compare long-term wealth outcomes of pension contribution and growth assumptions against mortgage-interest scenarios.
Calculate tax due on savings interest exceeding the Personal Savings Allowance (£1,000 Basic, £500 Higher, £0 Additional).
Model compounded investment returns inside taxable general investment accounts (GIA) vs tax-sheltered ISAs.
Calculate true net annual return on bonds, dividend shares, and funds after deducting marginal income tax and CGT.
Calculate net dividend yield after the £500 Dividend Allowance and dividend tax rates (8.75%, 33.75%, 39.35%).
Sequence withdrawals from taxable portfolios, ISAs, and pensions to minimise lifetime tax liabilities.
Calculate annual Vehicle Excise Duty (VED) road tax based on CO2 emissions, fuel type, and £40,000 expensive car supplement.
Verify 0% statutory UK tax exemption on lottery, Premium Bonds, and gambling winnings under Section 771 ITTOIA 2005.
High Income Child Benefit Charge (HICBC) £60k–£80k taper, Tax-Free Childcare, Marriage Allowance, SMP, and Statutory Sick Pay (SSP).
Calculate High Income Child Benefit Charge clawbacks (1% per £200 over £60k) and model pension sacrifice mitigation.
Model equalisation of income between partners to preserve Child Benefit entitlements and prevent 100% taper clawback.
Calculate the 20% government top-up (up to £2,000/child/yr), 30 hours funded childcare, and avoid the £100k cliff edge.
Transfer up to £1,260 of unused Personal Allowance to save £252 in tax, with backdated claims for up to 4 prior tax years.
Calculate 6 weeks at 90% average weekly earnings plus 33 weeks at statutory rate, net of PAYE tax and employee NI.
Calculate Statutory Paternity Pay (SPP) and Statutory Adoption Pay (SAP) take-home pay and employer recovery rates.
Calculate weekly SSP entitlement, qualifying days, the 3-day waiting rule, and linked sickness periods under statutory rules.
Check a year-specific transfer illustration without assuming entitlement or a guaranteed repayment.
Plan a gross statutory-pay illustration using the supported leave and earnings assumptions.
Explore the tool’s statutory-pay illustration and check your actual eligibility and employer policy.
Choose a tool for the income, property or life event you want to understand. The scope and sources on each page explain which inputs are modelled and where further information is needed. A calculator output is an estimate under those assumptions, not an assessment by HMRC.
Standard employees receive a statutory £12,570 Personal Allowance (Tax Code 1257L). Earnings above this threshold are taxed progressively across Basic (20%), Higher (40%), and Additional (45%) tiers in England, Wales, and Northern Ireland. Scottish residents are taxed under Scotland's devolved 6-tier system (19% to 48%). Employee Class 1 National Insurance applies at 8% between £12,570 and £50,270, and 2% thereafter.
A director comparison needs salary, employer NI, company profit and dividend assumptions. Dividends come from distributable post-tax profits; 2026/27 personal rates are 10.75%, 35.75% and 39.35%, with a £500 dividend allowance. Other income, associated companies and pension contributions can change the comparison.
Sole traders report trading profits through Self-Assessment (SA100). Profits are subject to Class 4 National Insurance (6% between £12,570 and £50,270, and 2% above) alongside Income Tax. Subcontractors registered under the Construction Industry Scheme (CIS) face a 20% flat deduction at source on labour invoices, which is reconciled against final annual liabilities.
Residential property acquisitions in England and Northern Ireland incur Stamp Duty Land Tax (SDLT), while Scotland levies Land and Buildings Transaction Tax (LBTT) and Wales applies Land Transaction Tax (LTT). Individual landlords must account for Section 24 restrictions, which replace mortgage interest expense deductions with a flat 20% basic rate tax credit.
Capital Gains Tax applies to disposals exceeding the statutory £3,000 annual exempt amount. Qualifying business disposals may benefit from Business Asset Disposal Relief (BADR) at an 18% rate up to £1 million lifetime gains. Pension tax relief and the Annual Allowance are separate tests. The usual £60,000 allowance can be restricted; contribution method, earnings and prior access matter.
The High Income Child Benefit Charge (HICBC) claws back Child Benefit at a rate of 1% per £200 of Adjusted Net Income between £60,000 and £80,000. Statutory leave models, including Statutory Maternity Pay (SMP) and Statutory Sick Pay (SSP), have specific eligibility and pay rules. The SSP tool estimates gross qualifying-day pay, not a guaranteed net payslip.
Use the relevant jurisdiction, tax year and actual employment or business records. The individual tools link the sources and explain their exclusions.
Clear answers based on official HMRC rules and statutory guidance.
Recommended Resources
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Class 4 NI and sole trader self-assessment math.
SDLT residential purchase tiers and relief rules.