Paycheckly
2026/27
Enter your salary and see exactly what lands in your account. Scottish bands, student loans, pension, and bonuses — all handled.
Each page shows monthly take-home, hourly rate, full HMRC band breakdown, and neighbouring salaries for comparison.
In-depth, plain-English guides to the UK tax system, written and kept current for the 2026/27 tax year.
Paycheckly calculates your UK take-home pay using the official HMRC Income Tax bands and National Insurance thresholds for the 2026/27 tax year. Enter your gross salary and it shows your monthly and annual net pay, with a full breakdown of every deduction, so you can see exactly where your money goes before it reaches your account.
Unlike most calculators, it handles the cases that actually catch people out: the six Scottish income tax bands, all five student loan plans, workplace pension and salary sacrifice contributions, one-off bonuses, dividend income, and the £100,000 to £125,140 zone where the Personal Allowance tapers away and creates an effective 60% marginal rate. Each result links to a plain-English guide explaining the rules behind the number.
Your figures are never stored or sent anywhere. Every calculation runs entirely in your browser, so nothing you type leaves your device. Paycheckly is built and maintained by Mike Turzynski and updated each tax year from HMRC and Scottish Government sources. It is provided as guidance, not financial advice. For anything complex, speak to a qualified accountant or adviser.