Calculators
Every calculator on WhatYouKeep, in one place. All free, all on 2026/27 rates, none of them ask you to sign up.
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Salary and pay
UK Take-Home Pay Calculator
Income tax, National Insurance, pension, student loan and tax codes. Shows your pay per year, month, week, day and hour.
Scotland Take-Home Pay Calculator
Six Scottish bands, Plan 4 student loan, and a side-by-side comparison with England and Wales.
UK Income Tax Calculator
Your income tax alone, band by band, with the Personal Allowance taper and the 60% trap over £100,000.
UK Stamp Duty Calculator
SDLT, LBTT and LTT for England, Scotland and Wales. First-time buyer relief, home-mover rates and the additional-property surcharge.
UK Minimum Wage Calculator
Every 2026/27 rate by age, and a checker that tells you if your actual pay meets the legal minimum.
Gross to Net Salary Calculator
Work in either direction. Enter the take-home you want and see the gross salary you need to ask for.
Pro Rata Salary Calculator
Part-time, term-time and four-day-week pay, with real take-home pay worked out too.
Monthly Take-Home Pay Calculator
What lands in your account each month, plus how it compares to being paid weekly or every 4 weeks.
Hourly to Salary Converter
Convert either direction, with the correct holiday pay uplift for casual and zero-hours work.
Pay Rise / Salary Increase Calculator
See your real marginal keep-rate on a raise, including the £100k–£125,140 60% tax trap.
Bonus Tax Calculator
See your bonus after tax and NI, and compare that against sacrificing it into your pension instead.
National Insurance Calculator
See employee and employer National Insurance side by side — including the £0 employer NI relief for apprentices, under-21s and veterans.
Student Loan Repayment Calculator
Plan 1, 2, 4, 5 and Postgraduate loans compared side by side — see exactly what comes off your pay.
Salary Sacrifice Calculator
See the real cost per £1 sacrificed into your pension, including the employer NI saving most calculators miss.
Pension Contribution Calculator
See your real cost after tax relief, and check your Annual Allowance position including the taper for high earners.
Tax Code Checker
See exactly what your tax code means, how much it gives you tax-free, and roughly how much tax it will take.
Overtime Pay Calculator
Work out time-and-a-half or double-time pay, and check your average rate against the National Minimum Wage.
Redundancy Pay Calculator
Statutory redundancy pay by age and length of service, plus the £30,000 tax-free threshold.
Holiday Entitlement Calculator
Statutory days for regular and irregular-hours workers, pro rata, and first-year accrual.
Mortgage Affordability Calculator
How much you could borrow on the 4.5x income multiple, plus repayment against your real net income.
Rent Affordability Calculator
The 30% budgeting guideline and the letting industry’s 30x-income check, side by side.
Emergency Fund Calculator
See your MoneyHelper-based savings target, your gap, and how long it’ll take to reach it.
Self-Employed Tax Calculator
Income Tax, Class 2 and Class 4 National Insurance on your trading profit, plus payments on account.
Maternity Pay Calculator
Statutory Maternity Pay or Maternity Allowance, week by week, using the current statutory rate.
Dividend Tax Calculator
Work out UK dividend tax band by band, with the current £500 allowance and 2026/27 rates.
Cost of Living Comparison Calculator
Compare everyday goods and services prices between UK regions using ONS data.
Contractor / IR35 Calculator
Compare take-home pay inside vs outside IR35, salary and dividends through your own company.
Sick Pay Calculator
Work out your Statutory Sick Pay under the 2026 rules — paid from day one, no earnings floor.
Take-Home Budget Planner
Split your real take-home pay into Needs, Wants and Savings, starting from the classic 50/30/20 rule.
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Salary after tax, by amount
Full take-home breakdown for common UK salaries, from £30,000 to £80,000 — same verified engine as the calculator above.
£30,000 After Tax UK
Take home £25,120 a year — full breakdown, tax bands and Scotland comparison.
£35,000 After Tax UK
Take home £28,720 a year — full breakdown, tax bands and Scotland comparison.
£40,000 After Tax UK
Take home £32,320 a year — full breakdown, tax bands and Scotland comparison.
£45,000 After Tax UK
Take home £35,920 a year — full breakdown, tax bands and Scotland comparison.
£50,000 After Tax UK
Take home £39,520 a year — just £270 below the higher-rate threshold.
£55,000 After Tax UK
Take home £42,457 a year — where higher-rate tax starts to bite.
£60,000 After Tax UK
Take home £45,357 a year — full breakdown, tax bands and Scotland comparison.
£65,000 After Tax UK
Take home £48,257 a year — full breakdown, tax bands and Scotland comparison.
£70,000 After Tax UK
Take home £51,157 a year — full breakdown, tax bands and Scotland comparison.
£80,000 After Tax UK
Take home £56,957 a year — full breakdown, tax bands and Scotland comparison.
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In the order we are building them. Each one runs on the same verified engine.
Something missing?
If there is a calculation you keep doing by hand, tell us. We build the tools people actually ask for.