Free UK money tools
Straight answers to UK money questions, free, with no sign-up needed to see your figure. Every calculation is checked against GOV.UK for the 2026/27 tax year and re-checked each April.
The calculators
Each one answers a single question and shows its working. Pick the one that matches what you are trying to find out.
Take-home pay calculators
What is left of your salary after income tax and National Insurance. Each page has a live calculator, so you can add a pension, a student loan, or switch to Scottish rates and watch the figure change. The two take-home columns below assume a standard tax code, no pension and no student loan.
| Salary | Per year | Per month |
|---|---|---|
| £25,000 after tax | £21,520 | £1,793 |
| £30,000 after tax | £25,120 | £2,093 |
| £35,000 after tax | £28,720 | £2,393 |
| £40,000 after tax | £32,320 | £2,693 |
| £45,000 after tax | £35,920 | £2,993 |
| £50,000 after tax | £39,520 | £3,293 |
| £55,000 after tax | £42,457 | £3,538 |
| £60,000 after tax | £45,357 | £3,780 |
| £65,000 after tax | £48,257 | £4,021 |
| £70,000 after tax | £51,157 | £4,263 |
| £80,000 after tax | £56,957 | £4,746 |
| £100,000 after tax | £68,557 | £5,713 |
Show the other 19 salaries, £26,000 to £49,000
| Salary | Per year | Per month |
|---|---|---|
| £26,000 after tax | £22,240 | £1,853 |
| £27,000 after tax | £22,960 | £1,913 |
| £28,000 after tax | £23,680 | £1,973 |
| £31,000 after tax | £25,840 | £2,153 |
| £32,000 after tax | £26,560 | £2,213 |
| £33,000 after tax | £27,280 | £2,273 |
| £34,000 after tax | £28,000 | £2,333 |
| £36,000 after tax | £29,440 | £2,453 |
| £37,000 after tax | £30,160 | £2,513 |
| £38,000 after tax | £30,880 | £2,573 |
| £39,000 after tax | £31,600 | £2,633 |
| £41,000 after tax | £33,040 | £2,753 |
| £42,000 after tax | £33,760 | £2,813 |
| £43,000 after tax | £34,480 | £2,873 |
| £44,000 after tax | £35,200 | £2,933 |
| £46,000 after tax | £36,640 | £3,053 |
| £47,000 after tax | £37,360 | £3,113 |
| £48,000 after tax | £38,080 | £3,173 |
| £49,000 after tax | £38,800 | £3,233 |
Not the salary you were looking for? Open any page above and type your own figure into the calculator.
How these tools work
Every calculation runs in your browser. Nothing you type is stored, and no financial detail is sent anywhere. The rates come from HM Revenue and Customs, not from memory: the personal allowance, the income tax bands for the rest of the UK and for Scotland, National Insurance, and the student loan thresholds were all read from GOV.UK and last verified on 20 September 2026.
These are guidance, not tax or financial advice. A payslip can differ because of your tax code, benefits in kind, or the way your employer runs its pension scheme. Where a tool cannot cover something, the page says so.
More tools are on the way. If one would help you, tell me what you are trying to work out.
The weekly newsletter
These tools come out of The Parallel Operator, a weekly email about building income around a job rather than instead of one. One issue a week, no pitch in the body.
Guidance only, not tax or financial advice. Your payslip may differ because of your tax code, benefits, or how your employer runs pensions.
