Know what you'll actually take home
Free calculators for UK pay, tax and pensions. Each one uses 2026/27 rates, shows its working and links to the official rule behind it.
- 2026/27 rates
- Scotland and NI included
- Nothing you type leaves your browser
Quick take-home estimate2026/27 rates
Income tax
See all- Tax code checkerWhat 1257L, BR, 0T, K codes and W1/M1 mean, and whether yours looks right.
- Scottish income tax calculatorTake-home pay with all six Scottish bands for 2026/27.
- Northern Ireland take-home payNet pay in NI after tax, NI, pension and student loan.
- £100k tax trap calculatorAdjusted net income, the lost allowance and the pension that wins it back.
- CGT on property calculatorCapital Gains Tax when you sell a second home or buy-to-let.
Pay and benefits at work
See all- Salary sacrifice pension calculatorWhat a pension sacrifice saves in tax and NI compared with paying from net pay.
- NHS maternity pay calculatorAgenda for Change occupational maternity pay plus SMP, week by week.
- Term-time salary calculatorPro-rata pay for term-time-only contracts, with holiday included.
Self-employed and directors
See all- Sole trader tax calculatorIncome tax and Class 4 NI on your profit, and how much to set aside.
- CIS calculatorCIS deductions on an invoice, and your likely year-end refund.
- Dividend tax calculatorTax on director dividends at the new 10.75% and 35.75% rates.
- Employer NI calculatorEmployer National Insurance at 15%, with Employment Allowance.
Pensions
See allInheritance Tax
See allWhy trust these numbers
Each tool states the tax year it uses and the date its figures were last checked, and links to the GOV.UK, HMRC or NHS page each rate comes from. The calculations are tested against worked examples. If something looks wrong, tell us and we'll check it against the source.
PaySums is independent. It isn't connected to HMRC, the NHS or any government department, and the results are estimates rather than financial advice.