UK pay calculators for maternity and sick pay, redundancy, holiday entitlement, required salary, pro-rata hours, IR35, NHS pay and salary sacrifice.
Focused calculators for the questions a payslip raises. Every one shows the tax year it used and the assumptions behind the number, and links the government source the rules come from.
| Tax/source year | 2026/27 |
|---|---|
| Region | England/Wales/Northern Ireland |
| Tax code basis | 1257L where the page uses PAYE defaults |
| Pension basis | No pension deduction unless this example says otherwise |
| Student loan basis | No student loan unless selected in this example |
| What is not decided here | PayBreakdown does not decide payroll correctness, lender approval, benefit entitlement or employer compliance, and does not give regulated financial, mortgage, debt, tax, payroll or legal advice. |
|---|
The questions a payslip raises usually come down to four, and each has a different right tool. "What will I actually take home?" is the salary calculator, or the required-salary tool when you know the take-home you need and want the gross that produces it. "What does this change cost or save me?" is the comparison family: two salaries side by side, this year against last year, or a pay rise worked through to what actually reaches your account after the extra tax and any tapered allowance. "What happens if my pay stops or drops?" is the maternity and sick pay tool, which blends a reduced-pay period into a full year rather than pretending the year was normal. And "can I afford this?" is the borrowing set — mortgage affordability on lender income multiples, loan repayment, and the debt tools for what existing balances really cost to clear.
One calculation engine sits under every tool that works out pay: the same tax-year configuration, the same National Insurance basis and the same student-loan thresholds, so two pay tools given the same inputs cannot disagree with each other. The borrowing and entitlement tools read their own rules modules — lender multiples, statutory rates, holiday law — each cited on its page. Every result is a planning estimate, not a payroll reproduction, and not advice.
The tools page groups the calculators by the task they support: pay and tax, household planning, borrowing, debt, and specialist salary scenarios.
Start with the narrowest calculator that answers your immediate question, then move to a wider one only when the answer needs context: take-home pay first, household income if two people are earning, borrowing once the bills are visible. Each tool states its tax year and its assumptions on the page. See how each deduction is worked out.
Start with take-home pay, comparisons and tax-year checks.
Move from income to mortgage, loan and debt planning.
Use specialist pages where the scenario needs extra caveats.
Estimate published family-finance rates and tax-charge planning scenarios without saving personal details.
The full directory, grouped by the question each tool answers.
What a salary actually pays after tax and National Insurance, in either direction.
The same pay converted between rates and periods, including part-time and pro-rata hours.
The wage floors, and what overtime, shifts, commission or a bonus really add.
What a change actually leaves you with — a rise, an offer, another job, or redundancy.
What your code means, and why a real payslip differs from an estimate.
Contributions, tax relief, and every sacrifice scheme from pensions to electric cars.
Every plan's threshold and rate, and what repayments do to take-home pay.
Child Benefit and its charge, childcare support, and two incomes planned together.
Statutory pay when work pauses, and the holiday you are entitled to.
IR35 and umbrella pay, dividends and director pay, self-employment, and what hiring costs.
Every Agenda for Change band, with the pension tiers, London weighting and unsocial hours.
The same salary under each nation's tax rules — Scotland's six bands included.
How a balance grows, what reaching a target takes, and when the tax man joins in — at the rate your account actually pays.
What you could borrow, what repayments cost, and what clearing balances early saves.
No. They are planning calculators only. They can help you understand assumptions and scenarios, but they are not personal financial advice.
You can use the calculators locally without signing in. Optional profiles let you save planning setups if you choose to.
No. Every calculator on the site works straight away with no sign-up. If you want to keep a scenario, it saves into your own browser rather than to an account.
Last updated 2026-08-28. Checked by Sean Elsmore. Rates last checked against GOV.UK on 2026-08-07. Estimates are for planning and should be checked against official records where the decision matters.