Updated for 2026–27 · Scotland included
UK pay, tax and money calculators
Calculators for take-home pay, income tax, National Insurance, VAT, student loans and redundancy pay, using HMRC and GOV.UK rates. Scottish income tax rates are included.
What changed on 6 April 2026
Income tax thresholds outside Scotland stayed frozen: the Personal Allowance is £12,570 and the higher rate starts at £50,270. In Scotland the 19% starter band widened to £3,967. The National Living Wage rose to £12.71 an hour, the statutory redundancy weekly cap rose to £751, and the Plan 2 student loan threshold is £29,385.
On £35,000 a year in England you take home £28,720; the same salary in Scotland leaves £28,705.
Calculators
- Take-home pay calculatorYour pay after income tax, NI, student loan and pension.
- Income tax calculatorTax by band, the £100k allowance taper and your marginal rate.
- National Insurance calculatorEmployee and employer Class 1 NI for any pay.
- VAT calculatorAdd or remove 20%, 5% or 0% VAT.
- Student loan repayment calculatorMonthly repayments for Plans 1, 2, 4, 5 and postgraduate.
- Redundancy pay calculatorStatutory redundancy pay by age and years of service.
- Hourly to salary calculatorHourly rate to yearly salary and back.
- Compound interest calculatorSavings growth with monthly deposits.
- Salary after taxTake-home pay for £15,000 to £150,000.