About TakeHomeWise

TakeHomeWise is an independent UK take-home pay calculator, run by AH Digital Studio. It exists for one reason: to answer "what actually lands in my bank account?" quickly, honestly, and with the working shown.

What it does

Type in your salary and the take-home pay calculator works out your net pay for 2026/27 — income tax, National Insurance, student loan and pension — in under a second. It handles the cases most calculators get wrong: Scotland's six income-tax bands, the £100,000 personal-allowance taper, Plan 5 and Postgraduate student loans, and salary sacrifice. The result is shown as take-home pay per year, month, week and day, with a full breakdown table so you can check every line.

Private by design

Every calculator on this site runs entirely in your browser. Your salary is never sent to a server, stored, or shared — there are no user accounts and nothing to sign up for. The only data that ever leaves your browser is anonymous visit counting, and only if you accept cookies (see the privacy policy and cookie policy).

Sourced, not guessed

Every rate comes from a single data file sourced from GOV.UK — see the full 2026/27 rates page, with the source and the date each figure was last checked. Every figure is tested against HMRC's own worked examples before it ships, by an automated suite that must pass 100% — the method is explained on How we calculate. If a figure on this site ever conflicts with GOV.UK, GOV.UK wins, and we want to hear about it the same day.

Not financial advice

TakeHomeWise is not affiliated with HMRC or GOV.UK, and it is not a source of financial advice. Figures are estimates for guidance, based on the standard PAYE position for a single employment — your actual tax position depends on your full circumstances. For free, impartial money guidance, see MoneyHelper; for anything specific to you, HMRC or a qualified adviser is the right call. The site's terms cover the figures themselves.

Corrections

Questions or corrections: contact us. A reported error is verified the same day; real errors are fixed and logged publicly in the changelog — including what was wrong and how long it was wrong.