TakeHome: UK Salary Calculator

Your payslip says one thing. Your bank account says another. TakeHome shows what you ACTUALLY keep using UK tax rates for 2026/27, checked against GOV.UK figures. Enter your salary and see estimated monthly, weekly and yearly take-home pay in seconds. No signup, spreadsheets or tax jargon. Calculations stay on your phone. A UK SALARY CALCULATOR FOR ALL FOUR NATIONS TakeHome covers employees in England, Scotland, Wales and Northern Ireland. Choose where you pay tax and the calculator applies the relevant Income Tax bands and thresholds. • England, Wales and Northern Ireland Income Tax bands • All six Scottish Income Tax bands • Personal Allowance and the taper for higher earners • Employee National Insurance rates and thresholds • Annual, monthly and weekly results SCOTTISH TAX AND PENSIONS TakeHome is built for Scottish taxpayers too. Select Scotland and it uses the Scottish starter, basic, intermediate, higher, advanced and top Income Tax bands instead of those used elsewhere in the UK. Pension contributions can change both taxable income and take-home pay. TakeHome supports two common workplace pension arrangements and treats them differently: • Salary sacrifice — see how contributions can reduce taxable pay and employee National Insurance • Relief at source — see the contribution and its effect on estimated take-home pay • Compare contribution amounts before making a workplace pension decision • Understand the combined effect of Scottish Income Tax, pensions and National Insurance Pension rules are UK-wide, but Scotland has different Income Tax bands. TakeHome brings the figures together for a more relevant Scottish estimate. STUDENT AND POSTGRADUATE LOANS See how repayments affect your pay across the main UK arrangements: • Plan 1 • Plan 2 • Plan 4 for Scottish borrowers • Plan 5 • Postgraduate Loan • Combined student and postgraduate loan repayments THE £100,000 PERSONAL ALLOWANCE TRAP Above £100,000, your tax-free Personal Allowance may begin to reduce. TakeHome highlights this taper zone, sometimes called the 60% tax trap, explaining why higher gross pay may deliver a smaller-than-expected increase in take-home pay. GOT A SIDE HUSTLE? Selling through eBay or Etsy? Earning from YouTube, TikTok, freelancing or other self-employed work? Add side-hustle income alongside your salary for a clearer view of the possible tax impact. • Applies the £1,000 trading allowance automatically where relevant • Estimates tax using your marginal rate rather than a flat rate • Includes Class 4 National Insurance where it applies • Shows roughly how much to set aside towards a future tax bill SEE WHERE EVERY POUND GOES A clear visual breakdown divides gross pay into take-home pay, Income Tax, National Insurance, pension contributions and student loan repayments. The “of every £100” view makes deductions easier to understand. USE TAKEHOME TO: • Check the value of a job offer • Compare salaries before a negotiation • Explore a pay rise, bonus or pension change • Understand payslip deductions • Plan side-business or freelance income • Estimate monthly income for budgeting • Compare Scottish results with the rest of the UK BUILT FOR THE 2026/27 UK TAX YEAR Includes 2026/27 Personal Allowance figures, Income Tax bands, Scottish bands, National Insurance and student loan thresholds. Results update instantly as figures change. PRIVATE BY DESIGN • Works completely offline • Calculations happen on your device • No account or email required • No salary or personal financial data collected • Fast, simple and free to use Whether checking a job offer, planning a pay-rise conversation, changing pension contributions, starting a side hustle or understanding your payslip, TakeHome gives you a clear estimate in seconds. Download free. Know what you keep. TakeHome provides estimates for general guidance. Outcomes depend on individual circumstances. For personal advice, check with HMRC, your pension provider or a qualified adviser.