# My Pay Calculator
> UK take-home pay and salary calculator for the 2026/27 tax year. Free online tools for calculating net salary after income tax, National Insurance, pension contributions, and student loan repayments. Updated with the latest HMRC rates and allowances.

## About
My Pay Calculator (mypaycalculator.co.uk) is a free UK financial calculator platform. All calculations are updated for the 2026/27 tax year and kept in line with the rates and thresholds HMRC publishes on gov.uk, covering income tax (including Scottish rates), National Insurance, pension contributions, and student loan repayments.

## Tools

### [UK Take-Home Pay Calculator](https://mypaycalculator.co.uk/)
- Calculates net salary after income tax, National Insurance, pension, and student loan deductions
- Supports all UK tax codes, Scottish tax rates, salary sacrifice, overtime, bonuses, dividends, and savings interest
- Covers student loan plans 1, 2, 4, 5, and postgraduate
- Updated for the 2026/27 tax year (6 April 2026 - 5 April 2027)

### [NHS Pay Calculator](https://mypaycalculator.co.uk/nhs)
- Calculate take-home pay for all NHS Agenda for Change (AfC) pay bands 1-9
- Includes NHS pension scheme contributions (2015 scheme and legacy 1995/2008 schemes)
- Supports London weighting (Inner, Outer, Fringe) and High Cost Area Supplements
- Covers England, Wales, Scotland, and Northern Ireland pay scales
- Per-band pay scale and take-home pages: [Band 5](https://mypaycalculator.co.uk/nhs/band-5), [Band 6](https://mypaycalculator.co.uk/nhs/band-6), [Band 7](https://mypaycalculator.co.uk/nhs/band-7) and every band from 2 to 9 at /nhs/band-{2..9,8a-8d}

### [Teacher Pay Calculator](https://mypaycalculator.co.uk/teacher)
- Calculate teacher take-home pay for England using 2026-2027 pay scales
- Covers Main Pay Range, Upper Pay Range, Leading Practitioner, and Unqualified Teacher scales
- Includes Teachers' Pension Scheme (TPS) contributions

### [NHS Pension Forecast Calculator](https://mypaycalculator.co.uk/nhs-pension-forecast)
- Project NHS pension value based on career salary history under the 2015 NHS pension scheme

### [NHS Annual Leave Calculator](https://mypaycalculator.co.uk/nhs-annual-leave-calculator)
- Calculate NHS annual leave entitlement based on working hours, years of service, and bank holidays

### Mortgage Calculators
- [Basic Mortgage Calculator](https://mypaycalculator.co.uk/basic-mortgage-calculator)
- [How Much Can I Borrow](https://mypaycalculator.co.uk/mortgage-calculator)
- [Compare Mortgages](https://mypaycalculator.co.uk/compare-mortgages)
- [Mortgage Overpayment Calculator](https://mypaycalculator.co.uk/overpayment-calculator)

### Tax Calculators
- [Tax Code Checker](https://mypaycalculator.co.uk/tax-code-checker): decode any HMRC tax code and check your personal allowance
- [Dividend Tax Calculator](https://mypaycalculator.co.uk/dividend-tax-calculator): UK dividend tax for 2026/27 after the £500 allowance
- [Capital Gains Tax Calculator](https://mypaycalculator.co.uk/capital-gains-tax-calculator): CGT on property and shares
- [Inheritance Tax Calculator](https://mypaycalculator.co.uk/inheritance-tax-calculator): IHT with nil-rate and residence nil-rate bands
- [Stamp Duty Calculator](https://mypaycalculator.co.uk/stamp-duty-calculator): SDLT, Scottish LBTT and Welsh LTT

### Salary Reference Pages
Pre-calculated take-home pay pages for common salaries, hourly rates and pay frequencies (2026/27 tax year, tax code 1257L):
- [By annual salary](https://mypaycalculator.co.uk/salary/30000-after-tax): £10,000-£200,000, £1,000 steps; regional variants e.g. /salary/30000-after-tax/scotland
- [By salary range hub](https://mypaycalculator.co.uk/salary-range/30k-to-40k)
- [By hourly rate](https://mypaycalculator.co.uk/hourly/15-per-hour): £8-£100 per hour
- [By monthly take-home](https://mypaycalculator.co.uk/monthly/2500-a-month-after-tax): £1,000-£10,000 a month
- [By weekly take-home](https://mypaycalculator.co.uk/weekly/600-a-week-after-tax): £300-£2,500 a week

### Other Calculators
- [Personal Loan Calculator](https://mypaycalculator.co.uk/personal-loan-calculator)
- [UK Inflation Calculator](https://mypaycalculator.co.uk/uk-inflation-calculator)
- [UCAS Tariff Points Calculator](https://mypaycalculator.co.uk/ucas-points-calculator)

### [Embed the Calculator](https://mypaycalculator.co.uk/embed-code)
- Free embeddable UK salary calculator widget for other websites

## UK Tax Facts (2026/27 Tax Year)
- Personal Allowance: £12,570 (reduced by £1 for every £2 earned over £100,000)
- Basic Rate: 20% on income £12,571 to £50,270
- Higher Rate: 40% on income £50,271 to £125,140
- Additional Rate: 45% on income over £125,140
- Employee National Insurance: 8% on earnings £12,570 to £50,270, 2% above £50,270
- Default Tax Code: 1257L
- Student Loan Plan 1 threshold: £26,900 (9% above threshold)
- Student Loan Plan 2 threshold: £29,385 (9% above threshold)
- Student Loan Plan 4 threshold: £33,795 (9% above threshold)
- Student Loan Plan 5 threshold: £25,000 (9% above threshold)
- Postgraduate Loan threshold: £21,000 (6% above threshold)

## Methodology
- [How We Calculate](https://mypaycalculator.co.uk/methodology): official gov.uk/HMRC data sources, verification against HMRC worked examples, and update policy

## Blog
- [UK tax news, NHS and teacher pay updates, and salary guides](https://mypaycalculator.co.uk/blog)

## Contact
- [Website](https://mypaycalculator.co.uk)
- Twitter: @mypaycalculator