Take-home pay 2026/27
Your salary after income tax, National Insurance, student loan and pension salary sacrifice, a year and a month. Scotland included.
Work out my take-home pay- UK rules
- 2026/27 tax year
- Excel + Google Sheets
Honest sums for UK money decisions
HonestSums makes plain spreadsheets for the money decisions most of us face a few times in life: taking a new job, overpaying a mortgage, buying a rental, paying for childcare, keeping a side hustle straight with HMRC. Each one follows the published GOV.UK rules, says when those rules were checked, and shows its working.
The three calculators below are free, quick versions of the spreadsheets. They run in your browser, so nothing you type is sent anywhere. When you want the full picture, with what-ifs and a Checks tab that proves the figures against worked examples, the spreadsheets are a small one-off download that works in Excel and Google Sheets.
Free calculators
Mortgage overpayment
How much interest overpaying saves you, how many months come off, and your new mortgage-free date.
See what overpaying savesStamp duty (England and NI)
Stamp Duty Land Tax at today's rates, with first-time buyer relief and the 5% surcharge on second homes and buy-to-let.
Work out my stamp dutyThe spreadsheets
Yellow cells are yours; everything else is done for you. Every sheet has a Checks tab, works in Excel 2010 or later and Google Sheets, and the tax-year sheets are updated every April.
UK Take-Home Pay and Salary Sacrifice Calculator 2026/27
See what actually lands in your bank account each month, and what salary sacrifice really costs you.
See this spreadsheet: take-home payUK Mortgage Overpayment and Remortgage Calculator
What overpaying saves you, month by month, and whether a remortgage really beats staying put.
See this spreadsheet: mortgage overpaymentUK Buy-to-Let Deal Analyser 2026/27
Cash needed, monthly cash flow, yield, the lender's stress test, and tax in your own name or a limited company.
See this spreadsheet: buy-to-letUK Childcare Cost Calculator (England)
What nursery or a childminder really costs each month once free hours, Tax-Free Childcare or Universal Credit come off.
See this spreadsheet: childcareUK Redundancy Pay, Notice and Bridging Budget Calculator 2026/27
What your redundancy is really worth after tax, and how long the money lasts until your next job pays.
See this spreadsheet: redundancyUK Inheritance Tax Estimator
What Inheritance Tax your estate would pay today, and what changes with a charity gift, the family home or a gift now.
See this spreadsheet: inheritance taxUK Capital Gains Tax Calculator 2026/27
Capital Gains Tax on shares, funds, a second home or a former home, and whether you must report within 60 days.
See this spreadsheet: capital gains taxUK Company Car vs Car Allowance Calculator 2026/27
Company car, cash allowance or salary-sacrifice electric car: which leaves you better off each month.
See this spreadsheet: company carUK Student Loan Repayment and Overpayment Planner
What your student loan will really cost, when it ends, and whether overpaying saves you anything at all.
See this spreadsheet: student loanUK Pension Contribution and Tax Relief Calculator 2026/27
What paying into your pension really costs from your take-home pay, and how much lands in your pot.
See this spreadsheet: pension tax reliefUK Budget by Payday Planner
Plan every payday, not every month, so you know what each payday has to cover and what is safe to spend.
See this spreadsheet: budget by paydayUK Side Hustle Income and Tax Tracker 2026/27
Log sales and costs, then see your profit, the £1,000 trading allowance, HMRC registration and tax to put aside.
See this spreadsheet: side hustle trackerPrefer to buy direct? The same sheets are in the HonestSums Payhip store, or browse the whole Etsy shop.