Go deeper than take-home
Specialised UK tax tools, built on the same official HMRC rates as the calculator above.
Director Intelligence
Salary vs dividends optimizer for UK limited company directors.
Open toolTax Code Decoder
Decode HMRC tax codes (1257L, BR, D0, K codes, etc.).
Open toolScottish Tax Calculator
Calculate take-home using Scotland’s income tax bands.
Open toolNational Insurance Calculator
Employee and employer NI breakdown by tax year.
Open toolMarriage Allowance Calculator
Check eligibility and estimate the savings.
Open toolCommon questions
Using official HMRC rates for 2026-27 (verified 1 July 2026).
How accurate is this compared to my payslip?
PayeTax estimates your pay using the selected tax year's rates. Your payslip can differ because of pay timing, pension arrangements, benefits in kind or employer-specific deductions. HMRC income tax rates.
Does it support Scottish tax rates?
Yes. Choose Scotland as your region and the calculator applies the Scottish income tax bands set by the Scottish Parliament, which differ from the rest of the UK. Revenue Scotland tax rates.
Does it work for self-employed or contractors?
No - PayeTax models PAYE for employees. Self-employed income is taxed through Self Assessment, which works differently. Our blog has guides, or use HMRC's Self Assessment tools directly.
What does the calculation include?
Income Tax, National Insurance, student loan repayments and pension contributions, broken down by pay period. Choose salary sacrifice or net pay to match your pension scheme. Relief at source requires a separate calculation. Pension arrangements explained.
How much could pension salary sacrifice save?
In 2026/27, on £50,000 a year in England, Wales or Northern Ireland, a 5% salary sacrifice puts £2,500 into your pension. Using annual thresholds, the standard Personal Allowance and category A National Insurance, you save £500 in Income Tax and £200 in employee National Insurance. With no student loan or other deductions, your take-home pay falls by £1,800 a year. HMRC 2026/27 rates and thresholds.
Can I use it offline?
Yes. Install PayeTax as an app and it keeps working from cache when your connection drops. Install guide.