PAYE Tax Calculator 2025/26 & 2026/27
Estimate your Income Tax, National Insurance, take-home pay and employer payroll cost instantly.
PAYE Take Home Pay Calculator
For employees and employers in England, Wales and Northern Ireland.
Need payroll or tax advice?
BNW Chartered Accountants can help with payroll, PAYE, tax planning, self assessment and limited company accounts.
- Payroll & PAYE support
- Self Assessment tax returns
- Limited company accounts
- Tax planning for directors
How this PAYE calculator works
This calculator estimates PAYE Income Tax, employee National Insurance and take-home pay using the standard personal allowance and tax bands for the selected tax year.
The figures are estimates only and do not include pension deductions, student loans, taxable benefits, bonuses, Scottish tax bands or individual tax code adjustments.
How PAYE Tax Is Calculated
PAYE (Pay As You Earn) is the system HMRC uses to collect Income Tax and National Insurance from employees throughout the tax year. Employers deduct tax and National Insurance contributions directly from wages before salary is paid.
The amount of PAYE tax deducted depends on factors such as your annual salary, tax code, National Insurance category and tax year. This calculator provides an estimate of your Income Tax, employee National Insurance, employer National Insurance and take-home pay for the 2025/26 and 2026/27 tax years.
What Is Included In This PAYE Calculator?
- PAYE Income Tax estimate
- Employee National Insurance
- Employer National Insurance
- Annual take-home pay
- Monthly take-home pay
- Weekly take-home pay
- 2025/26 tax year calculations
- 2026/27 tax year calculations
Who Can Use This Calculator?
This PAYE calculator is useful for employees, directors, contractors, business owners and employers who want to estimate payroll costs and take-home pay.
If you need professional payroll or tax advice, BNW Chartered Accountants can assist with payroll services, bookkeeping, tax planning, self assessment tax returns and limited company accounting.
Frequently Asked Questions
What is PAYE tax?
PAYE stands for Pay As You Earn. It is HMRC’s system for collecting Income Tax and National Insurance from employees through payroll.
Does this calculator include pension deductions?
No. This calculator currently provides estimated PAYE tax and National Insurance figures only and does not include pension deductions or salary sacrifice arrangements.
Is this calculator accurate?
This calculator provides estimates based on standard PAYE tax bands and National Insurance rates for England, Wales and Northern Ireland. Actual payroll calculations may differ depending on tax code, benefits, bonuses and other deductions.
Need Help With Payroll Or Tax?
BNW Chartered Accountants provides payroll, bookkeeping, tax planning and accounting services for businesses, contractors and individuals across the UK.
Understanding PAYE And National Insurance
Employees in the UK usually pay Income Tax and National Insurance through the PAYE system. Employers are responsible for deducting tax and National Insurance contributions before salaries are paid.
The amount of tax deducted depends on the employee’s tax code, salary level, tax year and National Insurance category. Higher earners may also lose part of their personal allowance once income exceeds certain HMRC thresholds.
Employers also pay Employer National Insurance contributions in addition to employee salary costs. This is why payroll planning and tax efficiency are important for growing businesses.
BNW Chartered Accountants supports businesses and individuals with payroll processing, tax planning, bookkeeping, VAT returns, company accounts and self assessment tax returns across the UK.
Why Use BNW Chartered Accountants?
BNW Chartered Accountants provides reliable accounting and tax services for contractors, landlords, limited companies, startups and self employed individuals. Our team helps clients stay compliant with HMRC while improving tax efficiency and reducing administrative workload.
We support clients with payroll, VAT, corporation tax, bookkeeping, management accounts and annual accounts preparation.
Disclaimer
The PAYE calculator available on this website is provided for general informational and illustrative purposes only. Whilst every effort has been made to ensure the accuracy of the calculations and information provided, the results may contain errors, omissions or inaccuracies, including those arising from software limitations, changes in legislation, tax rates or HMRC practice.
The calculations generated should not be relied upon as financial, accounting, legal or tax advice and may not reflect your individual circumstances. Users should seek professional advice before making any financial or tax-related decisions.
BNW Accountants accepts no responsibility or liability for any loss, damage or consequences arising directly or indirectly from the use of, or reliance upon, this calculator or the information produced by it.
Use of this calculator is entirely at the user’s own risk.