Free PAYE Calculator UK 2025/26

Free PAYE calculator UK 2025/26 — instant income tax + NI breakdown. No registration, no email. Mobile-friendly. HMRC 20

Quick answer: Free PAYE calculator — enter gross salary, see exact income tax + NI for 2025/26. £35,000 = £4,486 tax + £1,794.40 NI = £28,719.60 take-home. No registration. No email required.
Mustafa Bilgic
Reviewed by Mustafa Bilgic · UK Calculator Editor ·

Calculator

A genuinely free PAYE calculator with no signup, no email harvest, no upsell. Verified against HMRC 2025/26 rates. Use unlimited times — results compute in your browser. Includes basic, higher, and additional rate bands plus the £100k Personal Allowance taper.

How free paye calculator works in 2025/26

What "free" actually means here:

  • No registration / signup / email
  • No upsell to "premium" calculator
  • No data sent to advertisers (only standard analytics)
  • Calculation runs in your browser — no server roundtrip
  • Bookmark and use unlimited times
  • Mobile-friendly responsive design

Trusted UK 2025/26 rates used:

  • Personal Allowance: £12,570 (tapers above £100k)
  • Basic rate: 20% (£12,571-£50,270)
  • Higher rate: 40% (£50,271-£125,140)
  • Additional rate: 45% (above £125,140)
  • NI: 8% (£12,570-£50,270), 2% above

For comparison, HMRC's own PAYE Tax Calculator at gov.uk uses the same rates — but requires Government Gateway login and is desktop-focused.

Worked example: Free check on £30,000

Tax £3,486 (20% on £17,430). NI £1,394.40. Take-home £25,119.60/year (£2,093.30/month). Effective rate 16.3%.

Gross: £30,000 → Take-home: £25,119.60/year (£2,093.30/month)

Worked example: Free check on £55,000

Tax £9,486 (£37,700 × 20% + £4,730 × 40%). NI £3,094.40 (£37,700 × 8% + £4,730 × 2%). Take-home £42,419.60/year. Effective rate 22.9%.

Gross: £55,000 → Take-home: £42,419.60/year (£3,534.97/month)

Worked example: Free check on £110,000 (in taper)

PA reduced to £7,570 (lost £5,000 to taper). Taxable £102,430. Tax £30,632. NI £4,210.60. Take-home £75,157.40. Effective rate 31.7%.

Gross: £110,000 → Take-home: £75,157.40/year (£6,263.12/month)

Frequently asked questions

Is this calculator really free?
Yes — completely free, no signup, no email, no payment ever. Calculation runs in your browser using JavaScript. We earn revenue via Google AdSense ads on the page, which is what funds the free service.
How accurate is it?
Verified against HMRC published 2025/26 rates. Personal Allowance taper, all 3 income tax bands, both NI thresholds. For complex situations (multiple jobs, BIK, K-codes, salary sacrifice), use as a guide and consult a qualified accountant for tax decisions.
Why does HMRC's calculator require login?
gov.uk PAYE calculator (logged in via Personal Tax Account) shows YOUR actual figures based on PAYE records. This tool is GENERIC — give a salary number, get the math. Different use case.
Does it work on mobile?
Yes — responsive design, mobile-friendly inputs, no app required. Bookmark on your phone home screen for instant access.
What about Scotland?
Scottish residents have 6 different income tax bands (19/20/21/42/45/48%). NI is identical UK-wide. Use a Scotland-specific calculator if you live in Scotland — this default uses England/Wales/NI rates.
Will rates change?
PAYE rates change each tax year (6 April). 2025/26 rates apply to earnings from 6 April 2025 to 5 April 2026. We update annually. 2026/27 rates announced in Autumn Budget; calculator updated for new tax year start.
Does it include student loan?
The base calculator shows tax + NI. Student loan deductions are separate: Plan 1 9% above £24,990, Plan 2 9% above £28,470, Plan 4 9% above £31,395, Plan 5 9% above £25,000, PGL 6% above £21,000. Subtract from take-home if applicable.

Official UK Sources

Last reviewed: May 2026 against HMRC 2025/26 rates.

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