About TakeHomeIncome

TakeHomeIncome turns gross salary into a clear, honest estimate of what you actually receive each year, month, week, day and hour — after the deductions that apply in your country.

Today the platform covers the United Kingdom in detail. The architecture is designed so that we can add more countries with the same level of rigour, each one based on its own official tax sources rather than a one-size-fits-all formula.

Most people only see their take-home pay one payslip at a time — never the full picture, never the assumptions behind it. We want to change that: a take-home number you can trust, with the math shown, every band cited, every assumption disclosed.

Before we implement a single rate, we put together a country research brief sourced from official government pages — HMRC for the United Kingdom, equivalent revenue authorities elsewhere. Each constant in the calculator traces back to a numbered section of that brief, with the URL and the date we last checked it.

Competitors are a useful reference for UX patterns, but they are not our source of truth. Official publications are.

The first live calculator covers the UK tax year 2026-27 with:

• England, Wales, Northern Ireland and Scottish band logic.
• Personal Allowance, the £100,000 taper, and tax-code overrides (1257L, BR, D0, D1, NT, K-prefix, M, N, 0T).
• National Insurance Class 1 Category A (8 % and 2 % bands).
• Student loan plans 1, 2, 4, 5 and Postgraduate.
• Blind Person’s Allowance, Child Benefit + the High Income Child Benefit Charge.
• A reverse mode that solves for the gross you’d need to reach a target net.
• A “Show the working” panel that walks through every band with the official source link inline.

Open the UK calculator to try it.

We’ve already drafted research outlines for the United States, Ireland, Germany, Canada and Australia. Each country gets its own research brief, official-source citations, and a separate tax-rule snapshot before it goes live. We’d rather ship one accurate calculator than ten wrong ones.

When a new country is added you’ll see it on the Countries page with the same level of detail as the UK.

If you create a free account you can save calculations, return to them later, and generate a shareable link that renders the result without exposing your account. Saved calculations include the tax-rule version stamp used when they were created, so you always know what rule set produced the number. You can also generate a printable, branded one-page report from any saved or shared result.

Every result page lists the assumptions used (pension model, NI category, working schedule, tax code) and links to every official source that backed the math. If a value isn’t modelled (for example statutory sick pay, multiple jobs in the same year, or non-standard tax codes), we say so rather than silently fudging it.

The “Show the working” panel on every result exposes the full band-by-band calculation. No other UK calculator we’ve seen does this — and we think it’s the right default.

TakeHomeIncome is independent. We are not affiliated with HMRC, the IRS, GOV.UK or any other government body. We do not file returns on your behalf and we do not give personal tax advice.

All results are estimates for informational purposes only. They are not tax, legal, financial, payroll or accounting advice. Please consult a qualified specialist such as an accountant or tax advisor for any major financial decisions. See the Disclaimer page for full detail.

Spotted a bug, a rule that looks wrong, or something we should cover? Get in touch via the Contact page.