You're not bad with money. The numbers moved.
The tax-free allowance has been stuck at £12,570 since April 2021, and will stay there until April 2031. So more of each pay rise goes in tax. Type your salary to see what you take home, line by line.
Rates checked 18 October 2026 against GOV.UK and HMRCNo sign-upNo bank loginFree, paid for by ads
What's going on for you?
- I got a pay riseHow much of it will you keep?
- I've started a new jobIs your first payslip right? Check your tax code.
- My fixed rate is endingSee your new payment before the letter arrives.
- I'm buying a homeHow much could you borrow, and what would it cost each month?
- I want to clear my debtsList every debt and see when each one is paid off.
- We're having a babyWhat maternity pay will you get, week by week?
- I'm planning for retirementWill your pension be enough?
Why a pay rise feels smaller than it used to
The tax-free allowance (£12,570) and the point where 40% tax starts (£50,270) have been frozen since April 2021, and will stay frozen until April 2031. Pay has gone up; the lines haven't moved. So each pay rise pulls more of your pay into tax. On £35,000, you keep £720 of a £1,000 rise.
And a payslip is only one number. Your mortgage, car and debts change too, and most tools show each one on its own. That's why it's hard to see where the squeeze is. Source: LITRG.
What's left after everything?
Start What's LeftAdd your pay, home, car, debts, savings and pension, and get one number: what's left each month for everything else. Each step is one calculator. Rough figures are fine, and you can change any of them later. Your plan stays in your browser; we never see it.
- 1What will I take home?Start with what lands in your account each month.
- 2What does my home cost each month?Your mortgage or rent is usually the biggest bill.
- 3Can I afford my car?Add finance payments and tax for any car you run.
- 4When will my debts be paid off?List each debt and see the date it hits zero.
- 5How much should I put aside?Set a goal and see what to save each month.
- 6Will my pension be enough?Check your pension and State Pension against what you will need.
- 7What's left each month?See what is left for everything else, and split it with a budget.
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Popular salaries after tax
Every rate comes from GOV.UK and HMRC, and each calculator shows its tax year and when we last checked it. ComputeNow is free because it shows ads; advertisers don't see what you type and have no say in the figures. A guide to help you plan, not personal financial advice.
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These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.
This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.