About
Free UK take-home pay calculators, built on the published HMRC rates and kept current.
What this site does
Pay After Tax works out what you actually take home from a UK salary once Income Tax, National Insurance, student loan repayments and pension contributions have come off. There are 281 salary breakdowns, 61 hourly-rate pages, six calculators and 10 guides. Nothing requires an account.
Where the numbers come from
Every rate and threshold is taken from gov.uk and recorded in a single data file with the date it was checked. The current figures are the 2026/27 rates: a personal allowance of £12,570, employee National Insurance of 8% and 2%, and the six-band Scottish system for Scottish taxpayers.
The calculations are covered by an automated test suite that checks them against hand-derived figures, including the awkward cases — the personal allowance taper between £100,000 and £125,140, the interaction between salary sacrifice and National Insurance, and stacked undergraduate and postgraduate loans.
What it does not do
It assumes a standard tax code and no taxable benefits. It does not handle company cars, childcare vouchers, benefits in kind, dividend or savings income, self-employment, or the fact that National Insurance is assessed per pay period rather than annually. For anything unusual, your payslip and your HMRC personal tax account are the authorities.
Privacy
Salary figures are worked out in your browser and never sent anywhere. There is no account, no login and no database of what anyone typed. See the privacy policy for what the advertising and analytics scripts do collect.
How it is funded
Advertising, through Google AdSense. That is the only revenue source — there is no affiliate marketing, no lead generation and nothing is sold on. Advertisers have no influence over the figures, which come from gov.uk regardless of who is paying.
Last updated 22 August 2026.