Choose the right calculator for salary planning, take-home comparisons, self-employed tax, company extraction and pension projection.
Updated for 2025/26 · Reviewed by James Whitfield · Methodology and assumptions
Calculate monthly and annual take-home after tax, NI, student loan and pension deductions.
Run two offers side by side with matched assumptions and clear net-pay deltas.
Estimate the gross salary needed to reach a chosen monthly net income target.
Estimate net profit after income tax, Class 2 and Class 4 NI, plus quarterly set-aside planning.
Compare business structure outcomes using revenue, expenses and accountant-fee assumptions.
Model dividend tax with salary and region inputs, including taxable amount and effective rate.
Project pension growth, tax-free cash and retirement-income planning ranges.
Use the salary calculator. Enter your gross salary, select your region, and add student loan plan and pension percentage if applicable. The calculator applies 2025/26 UK PAYE rates and shows monthly and annual net pay with a full deduction breakdown.
Use compare salaries. Enter both gross figures with matched assumptions and get the actual monthly delta. The difference between two gross salaries is always smaller in net terms because the extra earnings are taxed at the marginal rate, not the average rate.
Use the target take-home calculator. Enter a monthly net target and the tool works backwards through the 2025/26 tax calculation to estimate the gross salary required. Useful for salary negotiation: if you need £3,000/month net in England, you need to ask for approximately £47,500 gross.
Use the self-employed calculator. It applies Income Tax, Class 2 NI (£3.45/week) and Class 4 NI (9% on profits £12,570–£50,270, 2% above) to your declared profit figure, and shows a quarterly payment-on-account set-aside figure.
Use the Ltd vs sole trader tool. Enter your expected revenue, allowable expenses and accountant fees, and the tool compares post-tax extraction under each structure. For most contractors above approximately £30,000–£35,000 profit, a limited company produces meaningfully higher net income.
Use the dividend tax calculator. Enter your salary and dividend amount, and the tool applies the 2025/26 dividend rates: 8.75% basic rate, 33.75% higher rate, 39.35% additional rate, with the £500 annual dividend allowance.
Use the pension projection tool. Enter your current pot value, monthly contributions and planned retirement age, and the tool projects growth at your chosen rate and shows tax-free cash, drawdown income and state pension context.
| Rate / threshold | England/Wales/NI | Scotland |
|---|---|---|
| Personal allowance | £12,570 | £12,570 |
| Basic income tax rate | 20% (up to £50,270) | 19–21% (up to £43,662) |
| Higher rate threshold | £50,271 | £43,663 |
| Employee NI (main rate) | 8% (£12,570–£50,270) | 8% (same) |
| Employee NI (upper rate) | 2% (above £50,270) | 2% (same) |
| Corporation tax (Ltd co.) | 19% (up to £50k profit) | 19% (same) |
| Dividend allowance | £500 | £500 |
| Class 4 NI (self-employed) | 9% / 2% | 9% / 2% (same) |
All calculators use these 2025/26 figures. For full methodology including tax code defaults (1257L), NI category (A) and pension assumptions, see the methodology page.