Precision Take-Home Calculator
Comprehensive UK tax analysis for the upcoming 2026/27 financial year.
Income & Allowances
Extra Allowances
Add on-call pay, shift premium, car allowance, or any other taxable allowance.
Overtime & Part-Time
Pension & NI Savings
💡 Salary Sacrifice vs AVC: Salary sacrifice saves both tax and NI. AVCs only save tax (via relief at source). For most employees, salary sacrifice is more efficient.
ISA Allowance
💡 ISA vs Pension: ISA contributions come from net pay with no tax relief, but withdrawals are always tax-free. Pension contributions get upfront tax relief but are taxed on withdrawal. Both are valuable — use pension first for higher rate relief, then ISA.
Other Sacrifice Schemes
Childcare Vouchers
Pension Projection
Mortgage Affordability
Quick Scenarios
Click to auto-fill the additional sacrifice amount needed.
Tax Settings
ℹ️ Most common code. Full personal allowance of £12,570. No adjustments.
ℹ️ Most employees under State Pension age. Standard NI rates apply: 8% on earnings between £12,570–£50,270, 2% above.
Student Loan
ℹ️ No student loan deductions will be applied.
💡 Not sure which plan? Check your original loan paperwork or your Student Loans Company account. Plan 2 is most common for English/Welsh graduates after 2012. Plan 4 applies to Scottish graduates.
Benefits in Kind
⚠️ Benefits in Kind are reported on a P11D form by your employer. They increase your tax bill but are not subject to NI. They also count towards your Adjusted Net Income for the Personal Allowance taper and Child Benefit charge.