🧰 All Calculators & Tools
PayKeep offers 7 specialised calculators for every UK employment situation. Each one uses the exact same HMRC 2026/27 tax thresholds — but models the specific deductions and rules for that type of work.
PAYE Employee Calculator
The standard UK salary calculator. Input your gross salary, pension, student loan, and tax code to see exact take-home pay.
Self-Employed Tax
Calculate Class 2 and Class 4 National Insurance on your profits. Includes income tax and student loan repayments.
Limited Company Contractor
Model low salary + dividends strategy. Includes Corporation Tax, dividend tax, and director's salary optimisation.
Umbrella Company Pay
Estimate take-home through an umbrella. Accounts for employer NI, umbrella margin, and holiday pay deductions.
Salary Sacrifice
Model pension salary sacrifice to see exact Income Tax and NI savings. Compare before and after side-by-side.
Bonus Tax Calculator
See how much of your bonus you actually keep after marginal tax, NI, and student loan deductions.
Day Rate Converter
Convert your contractor day rate to an annual salary equivalent and see net take-home after tax.
📊 Comparison Tools
Our main calculator also includes built-in comparison features:
- Side-by-side salary comparison — compare two salaries with the same pension and region settings
- Tax progression chart — hover over any salary from £10k to £200k to see tax breakdown
- 60% tax trap optimiser — if you earn £100k–£125k, we show exactly how much extra pension eliminates the trap
- UK city cost-of-living — see your take-home against average rents in London, Manchester, Edinburgh, and more
- Lifestyle estimator — 50/30/20 budget breakdown and savings potential
- Pension & wealth forecast — project your pension pot to retirement age