Salary calculator

Know exactly what you take home

Free UK salary, tax and stamp duty calculators. No signup, no spam — just accurate numbers.

Most Searched UK Answers

Quick answers to the UK's most common salary and tax questions

What is the take-home pay for £30,000?

For the 2026/27 tax year, a £30,000 salary gives roughly £1,970–£2,020 per month after tax and NI (tax code 1257L, no pension or student loan).

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How much tax do I pay on £50,000?

On £50,000 you pay approximately £7,400 in income tax and £3,900 in National Insurance, leaving a take-home of around £38,700 per year.

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What is the National Living Wage 2026?

From April 2026, the National Living Wage for workers aged 21+ is £12.71 per hour. Ages 18–20 get £10.85, under 18 get £8.00, and apprentices get £8.00.

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How much stamp duty on a £300,000 house?

First-time buyers pay £0 on a £300,000 property (relief covers up to £425,000). Home movers pay £3,500. Buy-to-let or second homes add a 3% surcharge.

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What is £15 per hour annually?

£15 per hour at 37.5 hours/week is £29,250 per year gross. After tax and NI, your take-home is approximately £23,500–£24,000.

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How much is £45,000 after tax?

A £45,000 salary in 2026/27 gives roughly £2,820–£2,880 per month after tax and NI (tax code 1257L). This assumes no pension contributions.

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Do I pay 40% tax on my bonus?

Only if your total income (salary + bonus) exceeds £50,270. The portion of your bonus that falls above this threshold is taxed at 40%.

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How much can I borrow for a mortgage?

Most UK lenders offer 4–4.5× your annual income. A £40,000 salary could borrow £160,000–£180,000, plus your deposit.

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Frequently Asked Questions

Common questions about UK tax, National Insurance and our calculators

Are these calculations accurate?
Our calculators use the official 2026/27 HMRC tax rates, National Insurance thresholds, and student loan repayment thresholds. Results are accurate for standard tax codes (e.g., 1257L) but individual circumstances may vary. Always verify with HMRC or a qualified accountant.
What tax year do these calculators use?
All calculations use the 2026/27 tax year rates, which run from 6 April 2026 to 5 April 2027. We update our rates within 48 hours of any HMRC budget announcement.
Is my data stored or shared?
No. All calculations run entirely in your browser. We do not collect, store, or transmit your salary, tax code, or any personal information. See our Privacy Policy for full details.
What is tax code 1257L?
1257L is the standard tax code for 2026/27. It means you get the full personal allowance of £12,570 before paying income tax. The 'L' indicates you’re entitled to the standard tax-free amount.
How is National Insurance calculated?
For 2026/27, employees pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. These rates apply to Class 1 NI contributions deducted through PAYE.
Can I use this for self-employed or contractor calculations?
Our calculators are designed for PAYE employees. Self-employed tax works differently (Class 2 and 4 NI, payments on account). We recommend consulting an accountant for self-assessment calculations.