2026/27 tax year. Enter your annual gross salary to see your take-home after income tax, NI, pension and student loan. All calculations run in your browser — nothing is stored.
PAYE Take-Home Pay Calculator
Employed · 2026/27 · England, Scotland, Wales & NI
Your Take-Home Pay
Tax year 2026/27
Full breakdown
Income tax bands
⚠️ Important — estimate only
This calculator provides an estimate based on standard 2026/27 PAYE assumptions. It does not account for:- Benefits-in-kind (company car, private medical etc)
- Multiple jobs or income sources
- Mid-year salary changes
- Savings interest or dividend income
- Non-standard tax situations
Self-employed? Enter your trading income and expenses to estimate your income tax, Class 4 NI, and total tax bill for 2026/27. You must register for Self Assessment if your profit exceeds £1,000.
Self-Employed Tax & NI Calculator
Sole trader · 2026/27 · Income tax + Class 4 NI
Your Estimated Tax Bill
Self-employed · 2026/27 · Sole trader
Profit calculation
Tax & NI breakdown
Key dates for self-employed
⚠️ Important — estimate only
This calculator estimates your tax based on standard 2026/27 rates for a UK sole trader. It does not account for:- Partnership income or limited company structures
- VAT (you must register if turnover exceeds £90,000)
- Prior year losses or capital allowances
- Overlap relief or basis period reform (now fully transitioned)
- Employment income running alongside self-employment
UK workers are entitled to 5.6 weeks paid holiday per year (28 days for full-time). This calculator works out your entitlement and what you should be paid. Guidance only — verify with your employer or ACAS.
Holiday Pay Calculator
2026/27 · UK statutory entitlement · All worker types
Your Holiday Entitlement
Statutory minimum for 2026/27 · UK law
Holiday entitlement breakdown
📋 Your key rights
⚠️ Guidance only
This calculator uses statutory minimum entitlements under UK law (2026/27). Your contract may give you more holiday — check your contract first. This does not account for:- Bank holidays (these may or may not be included depending on your contract)
- Term-time only workers or those with specific arrangements
- Agency workers (separate rules apply after 12 weeks)
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Statutory redundancy pay is calculated using an age-banded formula. The weekly pay cap is £751 (2026/27). Maximum 20 years of service counts. Tax-free up to £30,000.
Redundancy Pay Calculator
2026/27 · Statutory minimum · Age-banded formula
Statutory Maternity Pay (SMP) is paid for up to 39 weeks: 90% of average weekly earnings for the first 6 weeks, then £194.32/week (or 90% AWE if lower) for weeks 7–39.
Maternity Pay Calculator
2026/27 · SMP statutory minimum · 39 weeks
Statutory Sick Pay (SSP) is £123.25/week (2026/27), payable from day 1 of illness for up to 28 weeks. There are no waiting days.
Sick Pay (SSP) Calculator
2026/27 · Statutory Sick Pay · From day 1
Statutory minimum notice is 1 week for 1 month–2 years of service, then 1 week per year up to a maximum of 12 weeks. Your contract may specify more.
Notice Pay Calculator
Statutory minimum notice · Employment Rights Act 1996
National Living Wage (21+) is £12.71/hour from 6 April 2026. All workers are legally entitled to at least the minimum wage.
Minimum Wage Checker
2026/27 · National Living Wage & NMW rates
Auto-enrolment minimum is 8% of qualifying earnings (£6,240–£50,270): 3% employer + 5% employee including tax relief. Trigger: earning over £10,000/year.
Pension Contribution Calculator
Auto-enrolment · 2026/27 · Qualifying earnings basis
Employment tribunal time limits: unfair dismissal and most claims = 3 months less 1 day from the act complained of (six months less one day for acts on or after 1 October 2026). You must also contact ACAS for Early Conciliation before filing. Missing the deadline means losing your claim.
Tribunal Deadline Calculator
3 months less 1 day · 6 months for acts on or after 1 October 2026
The first £30,000 of a qualifying termination payment is tax-free. Statutory redundancy pay counts toward this limit. PILON (pay in lieu of notice) is always fully taxable.
Settlement Agreement Tax Calculator
£30,000 exemption · ITEPA 2003 · 2026/27
PENP (Post-Employment Notice Pay) is the part of a termination payment that HMRC treats as fully taxable earnings — it does not benefit from the £30,000 exemption, even in a settlement agreement.
PENP Calculator
Post-Employment Notice Pay · ITEPA 2003 s.402D