Every pound, accounted for, in front of you.
Ask most take-home calculators what you earn and they hand you a number in a box. Fine, if the number was all you wanted. But if you have ever looked at a payslip and wondered where the other third went, a box is no use to you: it gives you the answer and hides the sum.
What this one does differently
It does the sum where you can see it. Put in what you earn, say where you pay tax (Scotland’s bands are different, and most calculators quietly pretend they are not), and tell it about your pension and any student loan. You get the figure, and then every line of the working underneath it: what each deduction was charged on, at what rate, and which government page that rate came from.
Two things it does that the others mostly do not. It treats salary sacrifice and a net-pay pension as different things, because they are: the same contribution leaves you with a different take-home under each, and the gap is the National Insurance on it. And it tells you what your next £1,000 is actually worth to you, which near a band edge is never the headline rate. Someone in England on £50,000 keeps £618 of the next £1,000, not £600 and not £800.
Arithmetic about the rules, not advice. It does not know your circumstances, and a payslip can differ by a few pounds through rounding and tax codes.
- Gross
- £50,000
- Income tax
- £7,486.00
- National Insurance
- £2,994.40
- Deductions overall
- 21.0% of gross
- Your next £1,000
- 38.2% goes in deductions; you keep £618 of it
- Take-home 79.0%
- Income tax 15.0%
- National Insurance 6.0%
Show the working
| Line | On | Rate | Amount | Running |
|---|---|---|---|---|
| Gross salary | £50,000.00 | £50,000.00 | ||
| Personal Allowance | £12,570.00 tax-free | |||
| Basic rate | £37,430.00 | 20% | −£7,486.00 | £42,514.00 |
| National Insurance, main rate | £37,430.00 | 8% | −£2,994.40 | £39,519.60 |
Every amount is rounded to the nearest £500 in the link. This page sends nothing you type anywhere; the link exists only if you copy it.
What this is, and what it is not
It is arithmetic about the 2026/27 rules for employment income under PAYE, and every figure it used is listed under the result with the date it was last read against its source. It is not advice. It does not know your tax code, and a real payslip works its sums per pay period rather than per year, so expect a few pounds of difference, not hundreds. If your money comes from more than a salary, the side hustle tax piece covers the £1,000 trading allowance and what changes once you cross it. And if the figure at the top is bigger than it used to be, this is what tends to happen next.
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