NetPayWise
Country
Updated for 2026/27 · Free · No sign-up

Know exactly what lands in your account.

Accurate take-home pay for the UK, Ireland and Canada: income tax, social contributions, pension, student loans and more, with beautiful charts that show where every pound goes.

GOV.UK rates
Every figure sourced and dated
Always current
Updated every tax year
3 countries
UK, Ireland and Canada
Private
Your pay never leaves your device
Live estimate
£

You take home

£2,813
You keep80.4%
Income tax
£5,886
NI
£2,354
Effective
19.6%

You keep 80.4% of £42,000. Your next 100 keeps £72.

Open the full United Kingdom calculator

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Everything in one place

Twelve UK calculators, one consistent standard

From a quick hourly rate to self-employed tax and statutory maternity pay, every tool uses the same tested engine and official rates.

Accurate by design

Rates come from GOV.UK, every release is checked against hand-calculated cases, and the methodology page lists each source and the date it was checked.

Insight, not just a number

See your marginal rate, the 60% tax trap, what a pay rise or pension contribution is really worth, and how your tax compares across incomes.

Private and instant

Everything is calculated in your browser. No account, no tracking of your pay, and a shareable link that stores your inputs in the URL.

2026/27 at a glance

The numbers behind your payslip

Personal allowance
£12,570
Tax-free until £100,000
Basic rate
20%
On £12,571 to £50,270
Higher rate
40%
£50,271 to £125,140
Employee NI
8% / 2%
Above £12,570 / £50,270

Example: on £42,000 you take home £33,760 a year. See the breakdown →

FAQ

Quick answers

Still unsure? Open the methodology page or the tax glossary.

Is this calculator accurate? +

It uses official GOV.UK 2026/27 rates and is covered by automated tests that check tax, National Insurance, student loans, tax codes and more. It assumes steady pay across the year, so a real payslip can differ slightly because of cumulative PAYE or benefits in kind.

Is it free? Do I need an account? +

It is completely free and needs no sign-up. Calculations run in your browser; your salary is never sent to a server.

Which UK regions are covered? +

England, Wales and Northern Ireland share the same income tax bands, and Scotland has its own six-band system. Both are supported, plus Scottish and Welsh tax code prefixes.

Can I compare two job offers? +

Yes. Use the Compare tab in the main calculator to put two salaries side by side, or the Required salary tab to work backwards from the take-home pay you want.

Ready to see your real take-home pay?

It takes ten seconds and nothing leaves your device.

Open the calculator →