UK salary, take-home pay and stamp duty calculators
Plan with your local currency. Check each tool’s supported circumstances before using an estimate.
UK take-home salary calculator
Estimate annual income tax and employee National Insurance within the supported UK salary scope.
Open UK take-home salary calculatorWhat these calculators cover
For an employee below State Pension age with standard personal allowance eligibility and National Insurance category A. Choose your UK nation. Includes allowance taper and employee NI, using annual thresholds. Excludes pensions, salary sacrifice, student loans, benefits, other income, marriage allowance and non-standard tax codes. NI uses annual averaging; actual period-by-period deductions can differ.
Model / rate version: 2026–27 · 6 April 2026–5 April 2027. Existing model, not independently reverified in full. See source-check records and calculator exclusions.
Supported regions: England, Scotland, Wales, Northern Ireland.
Read full methodology and assumptions →Planning in GBP: where to start
Start with the UK salary estimate for the supported tax year, then use monthly income when comparing loan payments and regular savings. Student loans, pension choices and individual circumstances can change the result.
Compare the same costs and time period
For property, the SDLT calculator supports only its stated England and Northern Ireland circumstances. Scotland and Wales need different property-tax calculations; do not apply the SDLT result to them.
Fixed-rate loan payment in GBP
Enter your own amount and nominal annual rate. This general formula assumes equal monthly payments and excludes fees, insurance, taxes, variable rates and product-specific contract rules.
Worked example: £10,000.00 at an assumed 6% nominal annual rate over 36 months gives £304.22 per month. This rate is an example, not a United Kingdom market rate or offer.
Formula: payment = P × r / (1 − (1+r)−n), where r is the annual percentage divided by 1200 and n is months. At zero interest, payment = P/n. Use the full loan calculator.
Available calculators
Recommendations reflect available coverage, not measured popularity.
UK take-home salary calculator ↗
For an employee below State Pension age with standard personal allowance eligibility and National Insurance category A. Choose your UK nation. Includes allowance taper and employee NI, using annual thresholds. Excludes pensions, salary sacrifice, student loans, benefits, other income, marriage allowance and non-standard tax codes. NI uses annual averaging; actual period-by-period deductions can differ.
Open calculator →Mortgage & propertyEngland & Northern Ireland stamp duty ↗
For an individual buying one freehold residential property in England or Northern Ireland, UK-resident for SDLT, with no other residential property after purchase. Supports standard rates and self-confirmed first-time-buyer relief. Not for Scotland or Wales.
Open calculator →Loans & financingLoan repayment ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Savings & investmentsCompound interest ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Savings & investmentsSavings goal ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Budgeting & debtMonthly budget ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Guides for United Kingdom
Practical reading with GBP examples and relevant official sources. Financial guide content is in English.
Planned local coverage
These tools are coming soon and are not available as calculations:
- Scotland/Wales property taxes and unsupported SDLT cases
- pension
Each needs its own official sources, supported circumstances and test cases before publication.
Before you compare results
Keep the currency and time period consistent. A monthly income estimate is an annual average unless the calculator explicitly models individual pay periods. The general loan and savings tools do not apply United Kingdom tax law, fees, benefit rules or investment guarantees.
Changing the display currency does not convert exchange rates or change the legal jurisdiction of a calculator. Use the dedicated local tool for the scope described above.
General planning reading
These guides explain planning concepts using US examples; they are not United Kingdom tax guidance.
How compound interest works · Building an emergency fundSources and maintenance
Source links and existing model years are retained from the current calculators. Check official guidance for your circumstances and report issues through our contact page. New local payroll, pension, property and benefit tools require source review and tests before publication.
What these United Kingdom tools cover
Country-specific tools are listed with their supported circumstances and source-review limits on each calculator. General planning tools use GBP display where selected; a currency change does not apply local tax, lending or product rules.
Coverage and links checked October 21, 2026. Tax-rule review dates remain specific to each model; this coverage check does not certify every local rule.