What if you earned more?
A pay rise or a bigger year looks good. Here’s what it means in real life.
+£300.00
extra take-home a month
You’d keep 72% of every extra pound, with the same pension and loan plan.
You keep £2,993.30 a month
Less guesswork. More life.
Your money.
Made clear.
Salary, self-employed, or a bit of both. See what you keep — and what to put aside for HMRC — then make your next move with confidence.
- No sign-up
- Updates as you type
- Rates checked against gov.uk
01 Let’s start with you
Your take-home estimate
Live£2,993.30
in your pocket every month
80%
you keep
- Take-home £2,993.30
- Income tax £540.50
- National Insurance £216.20
Your employer normally takes care of income tax and National Insurance through PAYE.
02 See the bigger picture
A little planning goes a long way.
Room for the things you love.
Put in your monthly living costs. See what’s left for saving, spending or something special.
Your breathing room / month £1,193.30
03 Every pound, explained
Nothing hidden in the small print.
Your monthly breakdown
2026/27| Salary | £3,750.00 |
| Income tax | −£540.50 |
| National Insurance (Class 1) | −£216.20 |
| Your take-home | £2,993.30 |
Your effective tax rate is 20.2% — income tax and National Insurance as a share of what you earn.
Show tax and National Insurance bands
| Income taxed | £3,750.00 |
| Less: personal allowance | −£1,047.50 |
| Taxable income | £2,702.50 |
| Basic rate, 20% on £2,702.50 | £540.50 |
| Income tax | £540.50 |
| Class 1, 8% on £2,702.50 | £216.20 |
| National Insurance | £216.20 |
What this estimate doesn’t include
- Other income — dividends, rent, savings interest or foreign income.
- Capital allowances — relief on bigger purchases such as vans, machinery or computers.
- Salary sacrifice — pensions or benefits that reduce your pay before National Insurance.
- Marriage Allowance — moving part of a personal allowance between spouses.
- Losses against other income — setting a trading loss against your salary.
- Other business types — limited companies, partnerships and landlords.
- Voluntary National Insurance — for periods spent working abroad.
If any of these apply, your real figures will differ. An accountant can give you the full picture.
Look back, plan ahead
A new tax year.
A different picture?
The same numbers, worked out for each tax year.
- 2025/26 £2,993.30/ month
- 2026/27 £2,993.30/ month
Same take-home in both years with these numbers.
Keeps everything else the same, including your loan plan and pension.
04 My comparisons
Line up your options.
Nothing saved yet
Try a job offer, a pay rise or going self-employed, then press “Save comparison” on your estimate to see them side by side. They stay on this device only.
05 How it works
Plain maths, no surprises.
- 01
Tell us what comes in
Salary, self-employed income, or both — yearly, monthly or weekly. Nothing leaves your browser.
- 02
We apply this year’s rules
Personal allowance, tax bands for where you live, National Insurance, student loans and pension relief.
- 03
You see what you keep
Take-home by the month, week or year, plus what the self-employed owe HMRC and when.
In plain English
What’s the cash basis?
You count income when the money arrives and expenses when you pay them — not when an invoice is sent. It’s the default for most sole traders and subcontractors.
How is mileage worked out?
With HMRC’s simplified rates: a flat amount per business mile covering fuel, repairs, insurance and wear, claimed instead of your actual vehicle costs.
What’s the trading allowance?
Up to £1,000 of self-employed income is tax-free. You can use it instead of your expenses, not as well — we pick whichever is better for you.
What’s Class 1 National Insurance?
What employees pay through PAYE: 8% on pay between £12,570 and £50,270, then 2% above.
What’s Class 4 National Insurance?
What the self-employed pay on profits: 6% between £12,570 and £50,270, then 2% above. It’s paid through Self Assessment with your income tax.
How does pension tax relief work here?
Workplace pensions come off your pay before income tax. For a personal pension you pay 80% and the government adds 20%; higher-rate relief comes back through Self Assessment.
Where the figures come from
Every rate for 2026/27 was checked against gov.uk on 23 September 2026.
An estimate for guidance only — not tax, legal or financial advice, and not connected to HMRC. Tax is worked out over the whole year, so month-to-month payslips can differ, especially around bonuses. It doesn’t cover limited companies, partnerships or landlords, dividends, savings or rental income, salary sacrifice, Marriage Allowance, capital allowances, trading-loss relief against other income or voluntary National Insurance for time abroad. For your own situation, speak to an accountant.
Good decisions start with a clear picture.
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