Clear Calculators UK take-home pay calculators

2026/27 UK payroll estimates

UK take-home pay tools.

Open a calculator first. These pages share the same tax-year data for take-home pay, payslips, student loans, overtime and pension choices. Shopping, selling and kitchen tools sit further down.

Main calculator UK Pay Calculator Take-home pay after tax, National Insurance, pension and student loans. Change the salary on the next page. £50,000 · England · 5% pension £3,126.63 Estimated monthly take-home. Not your personal result. Open the calculator Payslip CheckerCompare a real payslip with a broad tax and NI estimate. Student LoanPlan 1, 2, 4, 5 and postgraduate repayment estimates. Job comparisonCompare two offers after deductions and extra costs. Salary sacrificeReduced cash pay, tax savings and NI savings. Overtime payExtra gross and net from overtime hours and rates. Hourly payWeekly, monthly and annual gross from hours and rates. PensionNet pay, relief at source and salary sacrifice methods. Bonus taxThe extra deductions on a one-off bonus.

Bills, shopping and the rest of the site

The pay tools are in the hero. Use this directory for household bills, shopping comparisons, selling and the other toolkits.

Choose what you are working on

Choose the task you have in mind.

I am checking payTake-home pay, deductions and hourly rates. I am selling onlineFees, labels, postage and profit. I am planning a billSubscriptions, prices, savings and energy. I am reading a payslipGross pay, tax, NI, pension and net pay in order. I am comparing a shop priceUnit prices, multibuy deals and delivery thresholds. I am checking a household costElectricity, fuel and tariff comparisons.

Other useful toolkits

These sit in their own collections so they stay easy to find without mixing them into the UK pay tools.

Seller toolsFees, offers, postage, parcel size and label printing. Kitchen toolsRecipe scaling, oven heat, portions and kitchen units. Creator toolsTwitch payouts, sponsorship quotes and bitrate. Internet and filesDownload time, storage, units and audio conversion.

Start with the guides

Read how a result is built, then open the matching calculator.

Take-home payGross pay, tax, NI and why a payslip can differ. How to check a payslipA practical order for gross pay, deductions and net pay. Student loan repaymentsPlans, thresholds and pay-period deductions. UK payroll deductionsWhich pay tool to use for tax, pension and bonuses.

Shopping & Budget

Compare offers, bills and everyday money decisions.

7 tools
Unit Price CalculatorCompare price per kg, litre, item or wash. Multibuy Deal CalculatorCheck 3 for 2, BOGOF and bundle offers. Free Delivery CalculatorSee if spending more beats the delivery fee. Subscription Cost CalculatorAdd recurring costs and see monthly and yearly spend. Price Increase CalculatorCompare a bill or price change in pounds and percentage. Savings Goal CalculatorMonthly saving targets and time-to-goal checks. Debt Overpayment CalculatorCompare using spare cash on a credit card or personal loan.

Seller Tools

Simple browser tools for postage, labels and small selling tasks.

8 tools
Seller ToolsLabels, marketplace fees and profit tools in one place. eBay Fee & Profit CalculatorEstimate seller fees, postage costs and profit before listing. eBay Offer CalculatorCheck profit before accepting a buyer offer. Vinted Profit CalculatorEstimate clothing resale profit after seller costs. Marketplace Break-Even CalculatorFind the sold price needed after costs, fees and target profit. Bundle Profit CalculatorCheck profit when selling several items together. Postage Comparison CalculatorCompare parcel options by price, cover and tracking. Parcel Size CheckerCheck whether a packed item is likely letter, large letter, small parcel or medium parcel size.

Household bills

Time, dates, energy, fuel, broadband and percentage checks.

8 tools
Hours & Minutes CalculatorConvert timesheet hours and minutes to decimal hours. Percentage CalculatorDiscounts, markups, changes and ratios. Calendar CalculatorWorking days, deadlines, week numbers and date checks. Holiday CalculatorAnnual leave in days or hours, with bank holiday checks. Energy Cost CalculatorEstimate appliance electricity running costs. Fuel Cost CalculatorEstimate journey fuel cost, litres used and cost per mile. Electricity Tariff ComparisonCompare unit rates, standing charges and fixed tariffs. Broadband Usage CalculatorEstimate monthly data use from streaming and downloads.

Guides for the questions behind the calculators.

Help with payslips, seller costs, holiday allowance and other questions behind the numbers.

View all guides

How to estimate take-home pay

A plain-English walk through gross pay, tax, National Insurance, pension deductions and why your payslip may not match a quick estimate exactly.

Read the take-home pay guide

UK payroll deductions

Choose the right tool for tax, NI, pension, salary sacrifice, student loan, bonus and payslip checks.

Open the payroll guide

Student loan repayments

Understand Plan 1, Plan 2, Plan 4, Plan 5, postgraduate loans, thresholds and why payslip deductions can differ from an annual estimate.

Read the student loan guide

Hourly pay vs salary

Compare hourly rates and annual salaries without forgetting unpaid time, regular overtime, pension deductions, holiday pay or uneven working patterns.

Read the hourly vs salary guide

Holiday entitlement for starters and leavers

Understand why annual leave changes when someone joins part way through the year, leaves early, works irregular hours or has bank holidays included.

Read the holiday entitlement guide

Decimal hours and timesheets

Learn why 7.50 hours means 7 hours 30 minutes, how to convert minutes cleanly, and where decimal time can trip up payroll or invoices.

Read the decimal hours guide

VAT rates and invoice checks

Understand net, VAT and gross amounts, why removing VAT is different from subtracting 20%, and how invoice rounding can create penny differences.

Read the VAT guide

Savings goals and interest

Plan savings targets with realistic monthly amounts, interest assumptions, slower-plan checks and tax allowance caveats for savings interest.

Read the savings guide

Printing eBay labels on spare sheets

Move postage label PDFs onto unused A4 label sheet slots, check scaling and avoid wasting part-used label sheets.

Read the label printing guide

Salary sacrifice pensions

See how sacrificing pay into a pension can change taxable pay, National Insurance and take-home cash.

Read the salary sacrifice guide

Clear answers before you rely on a result.

Important details about accuracy, privacy and why real-world figures can differ from a calculator or converter result.

Is this professional advice?

No. Clear Calculators gives general estimates and conversions for planning and comparison. It is not financial, tax, legal, medical, engineering or professional advice.

Why might a real result be different?

Rounding, local rules, source data, timing, settings and real-world edge cases can all change the final figure. Specialist tools explain their own assumptions where needed.

Do the tools send my inputs anywhere?

The tools run in your browser where possible. Some may save inputs locally on your device for convenience, but the calculators do not require an account.