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You keep £2,993.30 a month

Less guesswork. More life.

Your money.
Made clear.

Salary, self-employed, or a bit of both. See what you keep — and what to put aside for HMRC — then make your next move with confidence.

  • No sign-up
  • Updates as you type
  • Rates checked against gov.uk

01 Let’s start with you

How do you earn?

No sign-up. Just answers.

How do you earn?
£0£75,000£150,000+

Your full salary before pension or other deductions. Type any amount above the slider’s range.

Make it more accurate Pension, student loan, bonus

Anything paid on top of your salary this tax year.

Your take-home estimate

Live

£2,993.30

in your pocket every month

80%

you keep

  • Take-home £2,993.30
  • Income tax £540.50
  • National Insurance £216.20

Your employer normally takes care of income tax and National Insurance through PAYE.

02 See the bigger picture

A little planning goes a long way.

What if you earned more?

A pay rise or a bigger year looks good. Here’s what it means in real life.

Try it

+£300.00

extra take-home a month

You’d keep 72% of every extra pound, with the same pension and loan plan.

Room for the things you love.

Put in your monthly living costs. See what’s left for saving, spending or something special.

Your breathing room / month £1,193.30

03 Every pound, explained

Nothing hidden in the small print.

Where the figures come from ↗

Your monthly breakdown

2026/27
Salary £3,750.00
Income tax −£540.50
National Insurance (Class 1) −£216.20
Your take-home £2,993.30

Your effective tax rate is 20.2% — income tax and National Insurance as a share of what you earn.

Show tax and National Insurance bands
Income taxed £3,750.00
Less: personal allowance −£1,047.50
Taxable income £2,702.50
Basic rate, 20% on £2,702.50 £540.50
Income tax £540.50
Class 1, 8% on £2,702.50 £216.20
National Insurance £216.20
What this estimate doesn’t include
  • Other income — dividends, rent, savings interest or foreign income.
  • Capital allowances — relief on bigger purchases such as vans, machinery or computers.
  • Salary sacrifice — pensions or benefits that reduce your pay before National Insurance.
  • Marriage Allowance — moving part of a personal allowance between spouses.
  • Losses against other income — setting a trading loss against your salary.
  • Other business types — partnerships and landlords. A limited company is compared in its own card.
  • Voluntary National Insurance — for periods spent working abroad.

If any of these apply, your real figures will differ. An accountant can give you the full picture.

Look back, plan ahead

A new tax year.
A different picture?

The same numbers, worked out for each tax year.

  • 2025/26 £2,993.30/ month
  • 2026/27 £2,993.30/ month

Same take-home in both years with these numbers.

Keeps everything else the same, including your loan plan and pension.

Same income, three ways

Employed, sole trader or limited company?

£45,000 a year before tax, worked out three ways for 2026/27: as a salary, as a sole trader’s profit, and as company income paid out as a director’s salary and dividends.

  • Employed £2,993.30/ month £35,919.60 a year −£54.05 a month
  • Sole trader £3,047.35/ month £36,568.20 a year Leaves you the most
  • Limited company £2,937.28/ month £35,247.32 a year −£110.07 a month

Suggested: £12,570, the most that stays free of income tax and employee National Insurance. Leave it empty to use the suggestion.

An accountant, the confirmation statement, a business bank account: what a company costs that a sole trader doesn’t pay.

Show how the company figure is worked out
Company income £45,000.00
Director salary −£12,570.00
Employer National Insurance on the salary −£1,135.50
Company profit £31,294.50
Corporation tax at 19% −£5,945.96
Paid out as dividends £25,348.54
Income tax on the salary −£0.00
Employee National Insurance on the salary −£0.00
Dividend tax −£2,671.22
The first £500.00 of dividends is covered by the dividend allowance.
Take-home: salary and dividends after tax £35,247.32

The Employment Allowance does not apply where the director is the only employee, so the company pays its employer National Insurance in full. HMRC’s guidance ↗

What this comparison assumes
  • As employed, the whole amount is your salary. Your employer pays its own National Insurance on top.
  • As a sole trader, the whole amount is your profit, after any business costs.
  • Through a company, every pound of profit after corporation tax is paid out as dividends in the same tax year.
  • One company with no associated companies, and a 12-month accounting period.
  • Pension and student loan repayments are left out of all three.

Never miss a payment date

We’ll email you the 2026/27 deadlines still ahead, with a calendar file that adds each date and a reminder a week before.

We send only your email address and the tax year, use the address once to send this email, and do not keep it. Read our privacy statement.

04 My comparisons

Line up your options.

Nothing saved yet

Try a job offer, a pay rise or going self-employed, then press “Save comparison” on your estimate to see them side by side. They stay on this device only.

05 How it works

Plain maths, no surprises.

  1. 01

    Tell us what comes in

    Salary, self-employed income, or both — yearly, monthly or weekly. Nothing leaves your browser.

  2. 02

    We apply this year’s rules

    Personal allowance, tax bands for where you live, National Insurance, student loans and pension relief.

  3. 03

    You see what you keep

    Take-home by the month, week or year, plus what the self-employed owe HMRC and when.

In plain English

What’s the cash basis?

You count income when the money arrives and expenses when you pay them — not when an invoice is sent. It’s the default for most sole traders and subcontractors.

How is mileage worked out?

With HMRC’s simplified rates: a flat amount per business mile covering fuel, repairs, insurance and wear, claimed instead of your actual vehicle costs.

What’s the trading allowance?

Up to £1,000 of self-employed income is tax-free. You can use it instead of your expenses, not as well — we pick whichever is better for you.

What’s Class 1 National Insurance?

What employees pay through PAYE: 8% on pay between £12,570 and £50,270, then 2% above.

What’s Class 4 National Insurance?

What the self-employed pay on profits: 6% between £12,570 and £50,270, then 2% above. It’s paid through Self Assessment with your income tax.

How does pension tax relief work here?

Workplace pensions come off your pay before income tax. For a personal pension you pay 80% and the government adds 20%; higher-rate relief comes back through Self Assessment.

Where the figures come from

Every rate for 2026/27 was checked against gov.uk on 10 November 2026.

An estimate for guidance only — not tax, legal or financial advice, and not connected to HMRC. Tax is worked out over the whole year, so month-to-month payslips can differ, especially around bonuses. It doesn’t cover limited companies, partnerships or landlords, dividends, savings or rental income, salary sacrifice, Marriage Allowance, capital allowances, trading-loss relief against other income or voluntary National Insurance for time abroad. For your own situation, speak to an accountant.

Good decisions start with a clear picture.

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