Already working in the UK · Pay
How much pay will you take home?
Enter your gross pay for a week, month or year. See estimated tax, NI and what remains after your deductions.
Checked 4 October 2026 · tax year 2026/27
Before you start
- Find gross pay: the amount before deductions. Do not enter the bank transfer amount.
- Choose the same period as your payslip: week, month or year.
- List accommodation, transport and other deductions separately. Pension arrangements can change the tax base; a simple subtraction does not model this.
Estimate one payment
A 2026/27 budget estimate with steady earnings. Not an exact payslip: cumulative PAYE, pensions and special NI categories are excluded.
Compare with your payslip. An annual estimate is not the sum of actual short-season payments.
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How to check pay and deductionsHow to use the estimate
Start with one payment. If your contract gives hours and a rate, multiply paid hours by the rate and add bonuses or holiday pay for that period. For piecework, use the gross amount on your payslip.
Choose your tax region under HMRC rules, rather than just the farm’s address. Scotland has a separate scale; an S normally appears in the tax code. England, Wales and Northern Ireland use the same main rates here.
Compare the result with your documents. A difference does not prove an employer error: PAYE often takes account of previous payments in the tax year, your start date, personal code and HMRC adjustments. Identify the line that differs instead of comparing only net pay.
What is included and what is excluded
Income Tax is estimated using the selected scale and an assumed steady annual salary. Weekly pay is multiplied by 52, monthly pay by 12, and the estimated tax is divided back. This is a budget estimate, not a reproduction of cumulative PAYE or exact payroll tables.
The standard mode assumes entitlement to the £12,570 Personal Allowance, reduced by £1 for every £2 of annual income above £100,000. It reaches zero at £125,140. Salary stands in for adjusted net income in this simplified calculation; other income and pension adjustments can change the result.
NI uses category A thresholds for the selected period. Annual mode uses annual thresholds as an estimate: the sum of actual weekly or monthly deductions may differ. This is not a director’s NI calculation.
Cumulative PAYE, previous jobs, tax reliefs, benefits in kind, salary sacrifice, pension arrangements, special NI categories, additional tax liabilities and a 53-payment year are excluded. Check complex circumstances with HMRC.
Accommodation and other costs are deducted after the tax estimate. The calculator does not check whether deductions are lawful, the minimum rate or accommodation offset. These rules are explained in the main pay guide.
Examples: compare the same assumptions
| Annual gross | Income Tax | NI | Annual amount left |
|---|---|---|---|
| £18,000.00 | £1,086.00 | £434.40 | £16,479.60 |
| £24,000.00 | £2,286.00 | £914.40 | £20,799.60 |
| £30,000.00 | £3,486.00 | £1,394.40 | £25,119.60 |
| £40,000.00 | £5,486.00 | £2,194.40 | £32,319.60 |
| £60,000.00 | £11,432.00 | £3,210.60 | £45,357.40 |
| £80,000.00 | £19,432.00 | £3,610.60 | £56,957.40 |
| £100,000.00 | £27,432.00 | £4,010.60 | £68,557.40 |
Examples below use England, Wales or Northern Ireland, standard allowance and category A NI; no pension, student loan or accommodation. Amounts are rounded to pennies. They are estimates, not promises of earnings.
Seasonal week example: 40 hours × £12.71 = £508.40 gross. With standard assumptions, estimated Income Tax is £53.33 and NI £21.31, leaving £433.76 before accommodation and other costs. Actual PAYE can differ. Multiplying this by the season does not establish final earnings or any tax refund.
If you pay Scottish Income Tax
The Scottish earnings scale is included: 19%, 20%, 21%, 42%, 45% and 48%. It does not apply to savings interest and dividends; this calculator does not model those incomes.
With standard Personal Allowance, the first £3,967 of taxable income is taxed at 19%; subsequent boundaries are £16,956, £31,092, £62,430 and £125,140. Allowance reduces at high incomes. Choose Scotland in the form to use this scale.
If you have a UK student loan
Choose the plan shown in your Student Loans Company account. Plan 1/2/4/5 repayments are 9% above the relevant threshold; Postgraduate Loan repayments are 6%. A Postgraduate Loan can be deducted alongside one of the other plans.
Annual thresholds for 2026/27: Plan 1 £26,900; Plan 2 £29,385; Plan 4 £33,795; Plan 5 £25,000; Postgraduate £21,000. Weekly and monthly payments use separately published thresholds; the deduction is rounded down to whole pounds.
With irregular earnings, deductions can be due for a payment period even when annual earnings are low. Student loan refund conditions are checked separately; this is not an Income Tax refund. Loan write-off dates depend on the plan and circumstances.
Check one pay period at a time
Start with the dates: last week’s wages and this week’s bank payment may cover different periods.
Hours × rate
Compare paid hours with your own records. Check overtime, holiday pay and piecework separately. Ask for a breakdown if the total differs.
Gross → deductions → net
Gross pay is the amount before deductions. Deductions are amounts taken off. Net pay is what remains. Subtract deductions from gross pay and compare net pay with the bank transfer.
Tax code and year-to-date totals
Your tax code controls how Income Tax is calculated. YTD (year to date) shows totals since the start of the tax year. These help you check HMRC records but do not by themselves prove you have overpaid.
You must receive a payslip on or before payday. It must show hours if your pay varies with time worked. Fixed deductions may be explained in a separate written statement.
What your tax code means
A code other than 1257L is not necessarily wrong. Compare it with HMRC records and your circumstances.
- 1257L usually means the standard £12,570 tax-free allowance. Entitlement depends on your circumstances.
- BR means all income from this job is taxed at the basic rate; it is often used with more than one income source.
- 0T means the allowance has been used up or the employer does not have enough information.
- D0 / D1 means income from this job is taxed at the higher / additional rate.
- NT means no Income Tax is taken from this income.
- K means untaxed income or adjustments recorded by HMRC exceed your allowance; check HMRC’s notice.
- M / N means receiving / transferring part of an allowance between spouses or civil partners through Marriage Allowance.
- W1 / M1 / X / NONCUM means tax is calculated for the individual week or month without year-to-date totals. It does not guarantee an overpayment.
- An S / C prefix means Scottish / Welsh rules.
Reference: taxes and reliefs for 2026/27
The tax year runs from 6 April 2026 to 5 April 2027. Each tax rate applies to the relevant portion of income, not necessarily your whole salary.
Income Tax and National Insurance
For salary in England, Wales and Northern Ireland with the standard Personal Allowance: the first £12,570 is tax-free; then 20% up to total income of £50,270; 40% up to £125,140; and 45% above that. The Personal Allowance falls by £1 for every £2 of adjusted income above £100,000. Scotland has different bands and rates.
For category A employees paid weekly: NI is 0% up to £242, 8% on the portion from £242 to £967, and 2% above £967. This is a pay-period contribution; a short season does not turn it into an annual tax. Other categories and pay frequencies need their own calculation.
If you have a UK student loan
Annual income thresholds for 2026/27: Plan 1 — £26,900; Plan 2 — £29,385; Plan 4 — £33,795; Plan 5 — £25,000. Repayments are 9% above the applicable threshold. For a postgraduate loan, the threshold is £21,000 and the rate is 6%. Employers use the threshold for each pay period.
Marriage Allowance, expenses and pension contributions
- Marriage Allowance can reduce a couple’s tax by up to £252 a year if they meet the conditions. It is not a payment to every married couple.
- The trading allowance covers up to £1,000 of annual gross trading income where its conditions apply. It does not permit work outside visa conditions or exempt everyone from filing a return.
- You may claim tax relief for qualifying work expenses, such as uniform care or necessary tools. Relief returns tax on the eligible amount, not necessarily the full purchase cost.
- Pension tax relief depends on the scheme and your tax rate. Check whether it has already been provided through your employer before claiming again.
Quick answers
How much does a seasonal worker actually keep?
It depends on paid hours, rate, PAYE, NI, accommodation, transport and other costs. Estimate one payment first, then check actual payslips. A short season does not guarantee a refund of all tax.
Can a self-employed person use this calculator?
No. It estimates employed pay with category A NI. Self-employed people have different NI and expense rules. Seasonal Worker permission does not allow unrestricted self-employment or additional work.
What does “Standard estimate” mean?
It assumes entitlement to the usual Personal Allowance, reduced above £100,000 income. It is an annual budget estimate, not an exact calculation using your 1257L code and previous pay.
Why is the result different from my payslip?
PAYE may account for income and tax since 6 April, a personal code and adjustments. Pensions, benefits and a special NI category can also change pay. Ask your employer to explain the line that differs.
Does BR or 0T mean an error?
Not necessarily. BR applies basic-rate tax to all income from that job; 0T means no allowance in that calculation. Check with HMRC. W1, M1, X or NONCUM indicate a non-cumulative calculation, not proof of overpayment.
Is National Insurance included?
Yes, category A only: 8% between the primary threshold and upper earnings limit, 2% above. Weekly thresholds are £242 and £967; monthly thresholds are £1,048 and £4,189. Other categories are not calculated here.
Can I include a student loan?
Yes: Plan 1, 2, 4 or 5, plus a separate Postgraduate Loan. Select your plan; choose “None” if you have no UK loan. The calculator uses 2026/27 thresholds.
Are the amounts I enter saved?
The form does not send amounts to a server, put them in analytics or retain them after a page refresh. General site visit statistics remain enabled.
Detailed guides and tools
Check the conditions and review date on each page.
- Salary calculator Estimate pay after tax
- Tax refunds Ways to check and apply
- Self Assessment Prepare a tax return
- CIS Construction subcontractor taxes
- P45, P60, SA302 Understand the documents
- Refund agents Compare terms and cost
- Choosing tax help Qualifications and contracts
- Employer checks Company and contact details
- Adviser checks Professional registers