⚠️ Disclaimer
Last updated: August 2026
Not Financial or Tax Advice
PayKeep is a free online calculator designed to help UK workers estimate their take-home pay. It is not a substitute for professional financial, tax, or legal advice.
The calculations provided by PayKeep are based on:
- Publicly available HMRC tax thresholds for the 2026/27 tax year
- Standard PAYE assumptions
- Generalised tax code interpretations
Your actual tax liability and take-home pay may differ based on your individual circumstances.
Factors That May Affect Accuracy
- Tax code adjustments — emergency tax codes, K codes, or HMRC adjustments not reflected in standard 1257L
- Benefits in kind — company cars, private medical insurance, interest-free loans
- Multiple income sources — rental income, dividends, self-employment alongside PAYE
- Employer-specific practices — different payroll software rounds differently; some employers use Month 1 vs cumulative basis
- Voluntary deductions — charity giving, cycle-to-work schemes, union subscriptions
- Mid-year tax changes — if HMRC changes thresholds during the tax year
- Scottish tax variations — Scottish rates are correct as of our last update, but may change
When to Seek Professional Advice
You should consult a qualified accountant or tax advisor if:
- You are self-employed or have multiple income streams
- You are considering complex tax planning (e.g., significant pension contributions, salary sacrifice arrangements)
- You have received a tax code you do not understand
- You are disputing a tax bill with HMRC
- You are a non-UK resident with UK income
- You are making decisions worth £10,000+ based on calculator results
HMRC Resources
For definitive tax information, always refer to:
No Liability
PayKeep UK and its operators accept no liability for any financial loss, tax penalties, or decisions made based on the use of this calculator. Use at your own risk and always verify with HMRC or a qualified professional for anything significant.