See exactly what
you'll take home
Free UK tax calculator with official HMRC rates. Know your exact take-home in 3 seconds. Perfect for job offers, raise negotiations, or budget planning.
Everything you need to understand your pay
See Where Every Pound Goes
Your full breakdown: tax by band, NI, student loans, pension. Budget with confidence.
Accurate for Scottish Residents
Scottish residents pay different rates. Select your region for the right numbers — using official Revenue Scotland rates.
Your Salary Stays Private
All calculations happen in your browser. We never see, store, or share your salary.
Student Loans
All plan types supported — Plan 1, 2, 4, 5, and Postgraduate. See exactly how much comes out each month.
Pension Relief
See how £1,000 in pension contributions can save you £400 in tax. Supports salary sacrifice schemes.
Understand Your Tax at a Glance
See your tax breakdown in clear charts. No spreadsheets needed — know where you stand in seconds.
Three steps to clarity
Enter your salary
Type your annual, monthly, or weekly salary. Choose your tax year and region.
Add your details
Optionally add your tax code, student loan plan, and pension contributions.
See your take-home
Get an instant breakdown of your take-home pay with all deductions explained.
Common questions
Is PayeTax free to use?
Yes, PayeTax is completely free with no signup required. All features are available at no cost.
How accurate is this compared to my payslip?
PayeTax uses official HMRC tax tables — the same rates your employer's payroll system uses. Any small differences are usually from how tax builds up month-to-month, benefits in kind, or employer-specific deductions.
Does PayeTax support Scottish tax rates?
Yes, PayeTax fully supports Scottish income tax rates. Scottish residents pay different rates set by the Scottish Parliament — select Scotland as your region.
Does this work for self-employed or contractors?
PayeTax is built for employees on PAYE. Self-employed? You pay differently via Self Assessment. Check our blog for guides, or use HMRC's Self Assessment tools.
Is my salary data safe?
Your salary is yours alone. We never see it. All calculations happen in your browser — nothing is sent to our servers, stored, or shared.
What deductions are included?
PayeTax calculates income tax (by band), National Insurance contributions, student loan repayments (all plan types), and pension contributions with tax relief.
Stop guessing your take-home. See it now.
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Show My Take Home Pay