Disclaimer | PayKeep UK

Last updated: 28 July 2026

In plain English: PayKeep gives estimates based on standard HMRC assumptions. It is not a substitute for a payslip, HMRC account, or professional accountant. Do not make major financial decisions based solely on these figures.

Estimation Tool — Not Official Tax Advice

PayKeep is a free online estimation tool. Calculations are based on published HMRC Income Tax rates, National Insurance thresholds, and student loan repayment rules for the 2026/27 tax year. They are not a substitute for:

Your actual payslip from your employer
An HMRC tax calculation or P800 notice
Advice from a qualified accountant, tax adviser, or financial planner
An official Self Assessment tax return

Standard Assumptions

Unless you specify otherwise, results assume:

Tax code 1257L (standard Personal Allowance of £12,570)
Employee paying Class 1 National Insurance
No taxable benefits-in-kind (company car, private health insurance, etc.)
No Marriage Allowance unless selected
England or Wales tax rates unless Scotland is selected
Single employment unless using the comparison calculator

Factors That May Affect Your Actual Pay

Your real take-home pay may be higher or lower than PayKeep estimates due to:

Tax code adjustments — K codes, emergency codes (W1/M1), non-standard allowances
Benefits-in-kind — company car, private medical, gym membership
Multiple income sources — second job, rental income, dividends
Previous year tax debts — collected through adjusted tax code
Salary sacrifice arrangements — affects gross pay for tax and NI purposes
Mid-year changes — HMRC cumulative adjustments

HMRC Rates and Accuracy

PayKeep is updated with published HMRC rates for the 2026/27 tax year (6 April 2026 to 5 April 2027). Rates for previous years are included for reference. We aim to keep the calculator accurate but cannot guarantee that figures reflect every interim HMRC update or legislative change. Always verify rates at gov.uk/income-tax-rates for critical decisions.

No Liability

PayKeep and its operators accept no liability for financial loss, tax penalties, or decisions made in reliance on calculator estimates. Results are provided in good faith for general guidance only.

Seek Professional Advice

If you have complex tax circumstances — self-employment, IR35, overseas income, significant investment income, or a tax debt — consult a qualified accountant or tax adviser. The HMRC Self Assessment checker can help you determine if you need to file a return.