UK salary and pay calculators
Simple UK calculators for take-home pay, working hours, salary comparisons and freelance decisions.
Explore the calculators
Take-Home Pay Calculator
See how much you'll actually take home after Income Tax, National Insurance, pension and student loan deductions.
Reduce My Hours Calculator
See how working fewer hours could affect your salary and monthly take-home pay, and what each extra hour off would cost.
Salary vs Freelance
Compare employment package value with freelance revenue and find your break-even rate.
Salary to Hourly Rate
See what your annual salary works out to per working hour.
Freelance Break-Even
Find the hourly freelance rate needed to replace your employment package.
Cashback & Rewards Card Comparison
Compare debit and credit cards by monthly rewards, fees, signup offers and the interest your cash could earn before you pay the bill.
Which calculator should I use?
Start with the question you want to answer. You can change the inputs to compare options; use the same assumptions across scenarios so the difference is meaningful.
Take-Home Pay Calculator
Want to know how much of your salary could reach your bank account? Estimate pay after Income Tax and National Insurance, with pension and student-loan options. Have your annual salary and deduction details ready.
Calculate take-home pay →Reduce My Hours Calculator
Considering a four-day week or fewer contracted hours? Compare your current and proposed hours to see the estimated salary and monthly take-home impact, alongside the time you would gain.
See the impact of reducing your hours →Salary to Hourly Rate
Know your annual salary but want an hourly equivalent? Use your working hours and weeks to put the salary in context. This is useful when comparing jobs with different schedules.
Convert salary to hourly pay →Salary vs Freelance
Comparing employment with freelance work? Look at employment package value alongside freelance revenue and costs. Include employer pension contributions, expenses and realistic billable time rather than comparing headline salary with turnover alone.
Compare salary and freelance income →Freelance Break-Even
Need a target rate before considering freelance work? Estimate the hourly rate needed to match your salary and employer pension package over your planned billable hours. It is a comparison point, not a guarantee of earnings.
Find your freelance break-even rate →Cashback & Rewards Card Comparison
Want to know whether a cashback debit card or rewards credit card is actually worth more to you each month? Compare normal rewards, card fees, eligible signup offers and the interest your cash could earn before a credit-card bill is paid.
Compare cashback and rewards cards →How our calculations work
Tax-related estimates use the UK tax-year rules shown in each tool, currently 2026/27, checked against GOV.UK and HMRC guidance. Conversions depend on working hours and weeks; check the defaults and adjust them where the tool allows.
Results are estimates. Tax codes, pensions, student loans, payroll timing and personal circumstances can change actual pay. Freelance comparisons also depend on costs and unpaid time. Read our calculation methodology and assumptions for the approach, official sources and limits.