Updated for 2026/27
UK PAYE tax calculator
See your take-home pay
Estimate your take-home pay with official HMRC rates for income tax, National Insurance, student loans, and pensions.
Go deeper than take-home
Specialised UK tax tools, built on the same official HMRC rates as the calculator above.
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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 15 April 2026).
How accurate is this compared to my payslip?
PayeTax uses the official HMRC tax tables your employer's payroll runs on, so the annual figures line up. Small differences usually come from pay-period timing, benefits in kind, or employer-specific deductions we can't see. 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 by band, National Insurance, student loan repayments across all five plans, and pension contributions with tax relief - broken down across every pay period.
Can I use it offline?
Yes. Install PayeTax as an app and it keeps working from cache when your connection drops. Install guide.