About PayReckoner
Free UK pay, tax and pension calculators in pounds sterling.
PayReckoner answers the money questions that come with working in the UK: what will I actually take home?, how much of my pay rise or bonus do I keep?, is my pension contribution enough? and what am I entitled to if I go on maternity leave, get sick or am made redundant?
We built it for employees checking a payslip or a job offer, people planning for retirement, parents working out leave, and anyone who employs others or works for themselves. There are 24 calculators, plus take-home pay tables for every salary from £10,000 to £200,000 and hourly rates from £11 to £50.
How we work
Every figure has a source
Tax bands, National Insurance, student loan thresholds, statutory pay and pension allowances come from HMRC, DWP and GOV.UK publications. Each calculator lists its sources, and the methodology page shows every rate in one place.
The maths is shown, not hidden
Calculators explain the formula and include a worked example with real numbers, so you can follow each step and check it against your payslip or HMRC's own tools.
Kept up to date
Figures are for the 2026/27 tax year and were last reviewed in October 2026. We update them every April and after each UK and Scottish Budget.
Private by design
Everything is calculated in your browser. Your salary, pension and other details are never sent to us or stored, and there's no account to create.
What you can work out
Pay & tax calculators
Everything about what lands in your bank account: take-home pay, pay rises, bonuses, overtime, part-time salaries, tax codes and student loans, all on 2026/27 rates.
Take-Home PayNet to Gross SalaryPay RiseBonus TaxOvertimePro Rata SalarySalary ConverterMinimum WageTax Code CheckerStudent Loan RepaymentChild Benefit Tax Charge
Pension calculators
Plan and check your pension: what goes in, what it costs you after tax relief, what it might grow to, your State Pension, and the tax when you take it out.
PensionWorkplace PensionSalary SacrificePension Tax ReliefState PensionPension Withdrawal Tax
Statutory pay & rights calculators
The legal minimums your employer must pay: maternity and paternity pay, sick pay under the 2026 rules, redundancy pay and paid holiday.
Maternity PayStatutory Sick PayRedundancy PayHoliday Entitlement
Employer & self-employed calculators
For people who employ others or work for themselves: what an employee really costs, tax on self-employed profits, and salary-plus-dividend planning for directors.
Coverage
Income tax for England, Wales, Northern Ireland and Scotland (all six Scottish bands); employee, employer and self-employed National Insurance; student loan Plans 1, 2, 4, 5 and postgraduate loans; relief at source, net pay and salary sacrifice pensions; tax codes; the £100,000 allowance taper; dividends; and statutory maternity, paternity, sick and redundancy pay.
Important
PayReckoner is independent and is not part of, or endorsed by, HMRC, DWP or any government body. Results are estimates based on the information you enter and simplifying assumptions listed on the methodology page. They are not financial, tax or legal advice. For your own situation, check your payslip and your personal tax account on GOV.UK, or speak to a qualified adviser.