# ComputeNow: free UK tax, salary and car calculators

URL: https://computenow.co.uk/

> Free UK calculators that show the working: take-home pay, Income Tax, stamp duty, mortgages, car tax, loans, savings and pensions for 2026/27.

This calculator shows a worked example below. To use your own figures, add them to the URL as query parameters (listed in https://computenow.co.uk/llms.txt), for example https://computenow.co.uk/?<parameter>=<value>.

# 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 rise How much of it will you keep?](https://computenow.co.uk/compare-salaries/)
- [I've started a new job Is your first payslip right? Check your tax code.](https://computenow.co.uk/tax-code-checker/)
- [My fixed rate is ending See your new payment before the letter arrives.](https://computenow.co.uk/remortgage-calculator/)
- [I'm buying a home How much could you borrow, and what would it cost each month?](https://computenow.co.uk/mortgage-affordability-calculator/)
- [I want to clear my debts List every debt and see when each one is paid off.](https://computenow.co.uk/debt-payoff-calculator/)
- [We're having a baby What maternity pay will you get, week by week?](https://computenow.co.uk/maternity-pay-calculator/)
- [I'm planning for retirement Will your pension be enough?](https://computenow.co.uk/pension-calculator/)

## 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](https://www.litrg.org.uk/news/budget-2025-summary-main-personal-tax-announcements-and-what-they-mean-you).

## What's left after everything?

[Start What's Left](https://computenow.co.uk/money-plan/)
Add 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.

- [1 What will I take home? Start with what lands in your account each month.](https://computenow.co.uk/take-home-pay/)
- [2 What does my home cost each month? Your mortgage or rent is usually the biggest bill.](https://computenow.co.uk/mortgage-calculator/)
- [3 Can I afford my car? Add finance payments and tax for any car you run.](https://computenow.co.uk/car-finance-calculator/)
- [4 When will my debts be paid off? List each debt and see the date it hits zero.](https://computenow.co.uk/debt-payoff-calculator/)
- [5 How much should I put aside? Set a goal and see what to save each month.](https://computenow.co.uk/savings-goal-calculator/)
- [6 Will my pension be enough? Check your pension and State Pension against what you will need.](https://computenow.co.uk/pension-calculator/)
- [7 What's left each month? See what is left for everything else, and split it with a budget.](https://computenow.co.uk/money-plan/)

## Pay & tax

19 calculators

- [Take-home pay calculator Your pay after Income Tax and NI](https://computenow.co.uk/take-home-pay/)
- [Income Tax calculator Your tax band by band](https://computenow.co.uk/income-tax-calculator/)
- [VAT calculator Add or remove VAT](https://computenow.co.uk/vat-calculator/)
- [Student loan repayment calculator Monthly repayments by plan](https://computenow.co.uk/student-loan-repayment-calculator/)
- [Salary after tax Every salary from £15,000 to £150,000](https://computenow.co.uk/salary-after-tax/)
- [Tax code checker What your tax code means for your pay](https://computenow.co.uk/tax-code-checker/)
- [Maternity pay calculator Statutory Maternity Pay over 39 weeks](https://computenow.co.uk/maternity-pay-calculator/)
- [Pro-rata salary calculator Pay for part-time hours](https://computenow.co.uk/pro-rata-salary-calculator/)
- [Hourly wage calculator Hourly rate to yearly salary](https://computenow.co.uk/hourly-wage-calculator/)
- [Capital Gains Tax calculator Tax on gains from selling assets](https://computenow.co.uk/capital-gains-tax-calculator/)
- [Customs charges calculator What you pay on parcels and gifts from abroad](https://computenow.co.uk/customs-charges-calculator/)
- [Import duty and VAT calculator Duty, excise and VAT on goods you import](https://computenow.co.uk/import-duty-calculator/)
- [Bonus tax calculator What you keep from a bonus](https://computenow.co.uk/bonus-tax-calculator/)
- [Sick pay calculator Statutory Sick Pay from day one](https://computenow.co.uk/sick-pay-calculator/)
- [Overtime calculator What extra hours add to your pay](https://computenow.co.uk/overtime-calculator/)
- [Required salary calculator The salary you need for a take-home target](https://computenow.co.uk/required-salary-calculator/)
- [Two jobs tax calculator How a second job is taxed](https://computenow.co.uk/two-jobs-tax-calculator/)
- [Compare two salaries See the difference after tax](https://computenow.co.uk/compare-salaries/)
- [Compare tax years This year against last](https://computenow.co.uk/compare-tax-years/)

## Property

6 calculators

- [Stamp duty calculator Tax when you buy a home](https://computenow.co.uk/stamp-duty-calculator/)
- [Mortgage calculator Monthly repayments and total interest](https://computenow.co.uk/mortgage-calculator/)
- [Mortgage affordability calculator How much you could borrow](https://computenow.co.uk/mortgage-affordability-calculator/)
- [Mortgage overpayment calculator Pay off your mortgage sooner](https://computenow.co.uk/mortgage-overpayment-calculator/)
- [Remortgage calculator Is switching deal worth it?](https://computenow.co.uk/remortgage-calculator/)
- [Rent vs buy calculator Which costs less over time](https://computenow.co.uk/rent-vs-buy-calculator/)

## Vehicles

4 calculators

- [Vehicle tax calculator Yearly vehicle tax (car tax) for your car](https://computenow.co.uk/vehicle-tax-calculator/)
- [Car finance calculator Monthly payments and total cost](https://computenow.co.uk/car-finance-calculator/)
- [Company car tax calculator Benefit-in-kind tax on a company car](https://computenow.co.uk/company-car-tax-calculator/)
- [EV salary sacrifice calculator What an electric car really costs you](https://computenow.co.uk/ev-salary-sacrifice-calculator/)

## Loans & savings

11 calculators

- [Compound interest calculator How interest builds on interest](https://computenow.co.uk/compound-interest-calculator/)
- [Pension calculator Your pension pot at retirement](https://computenow.co.uk/pension-calculator/)
- [Loan repayment calculator Monthly payments and total interest](https://computenow.co.uk/loan-repayment-calculator/)
- [Inflation calculator What money will be worth later](https://computenow.co.uk/inflation-calculator/)
- [Savings calculator How your savings grow with interest](https://computenow.co.uk/savings-calculator/)
- [Credit card payoff calculator How long to clear your balance](https://computenow.co.uk/credit-card-payoff-calculator/)
- [Savings goal calculator How much to save each month](https://computenow.co.uk/savings-goal-calculator/)
- [Investment and ISA calculator How investments could grow](https://computenow.co.uk/investment-calculator/)
- [Debt payoff calculator Snowball vs avalanche](https://computenow.co.uk/debt-payoff-calculator/)
- [Debt consolidation calculator Is one loan cheaper?](https://computenow.co.uk/debt-consolidation-calculator/)
- [Budget calculator Split your pay with 50/30/20](https://computenow.co.uk/budget-calculator/)

## Popular salaries after tax

- [£25,000](https://computenow.co.uk/take-home-pay/25000/)
- [£30,000](https://computenow.co.uk/take-home-pay/30000/)
- [£35,000](https://computenow.co.uk/take-home-pay/35000/)
- [£40,000](https://computenow.co.uk/take-home-pay/40000/)
- [£50,000](https://computenow.co.uk/take-home-pay/50000/)
- [£60,000](https://computenow.co.uk/take-home-pay/60000/)
- [Every salary](https://computenow.co.uk/salary-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.[How we calculate](https://computenow.co.uk/methodology/)

## Guides and help

### Our guides

[UK tax rates and thresholds 2026/27 Every Income Tax, NI, student loan, savings, property and vehicle figure in one place](https://computenow.co.uk/guides/uk-tax-rates-and-thresholds-2026-27/)[What does my tax code mean? 1257L, BR, 0T and K explained Read your code and see what it does to your pay](https://computenow.co.uk/guides/tax-codes-explained/)[How much does it cost to buy a home? Deposit, stamp duty, mortgage and the income you need](https://computenow.co.uk/guides/cost-of-buying-a-home/)

### Official services and free advice

[Check your Income Tax for this year GOV.UK: your tax code and pay so far](https://www.gov.uk/check-income-tax-current-year)[Check your State Pension forecast GOV.UK: how much and when](https://www.gov.uk/check-state-pension)[Citizens Advice: debt and money Free, independent advice](https://www.citizensadvice.org.uk/debt-and-money/)
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.