Net pay, NI, pension and student loan checks.
CLEAR UK CALCULATIONS
Your Personal Financial Toolkit
Calculate salary, tax, mortgage, pension and everyday money decisions in seconds. Qalqlet keeps the assumptions visible so users can compare results instead of guessing at the rules.
START HERE
What do you want to calculate?
Search across salary, mortgage, tax, pension, VAT and benefits — then open the matching calculator without leaving the route.
✓ 2026/27 tax rates✓ Scotland supported✓ Reviewed by Qalqlet editorial team✓ No sign-up needed
Affordability, monthly payments and deposits.
Company tax, dividends and small business costs.
Household support, childcare and tax code support.
Financial decisions, not just calculations
Start with a question. See the result, the assumptions, and the next calculator to use.
- Salary → tax → pension
- Mortgage → affordability → budget
- Business → VAT → company take-home
EXPLORE BY CATEGORY
Everything you need to work it out
Start with a question. We’ll show the calculation, explain the result and link every official rate.
Tax & salary
Pay, tax codes, benefits and workplace income
29 liveProperty
Mortgages, rent, Council Tax and landlords
22 liveSavings & pension
Pensions, investments, debt and household budgets
17 liveBusiness
Self-employed, contractor and limited company
13 liveHome & energy
Energy, EV, solar, renovation and commuting costs
14 liveHealth & everyday
Health, family, dates and daily decisions
30 livePOPULAR RIGHT NOW
Start with our most-used calculations
Current-year tools built around the UK tax year 2026/27 and official guidance.
Current-year
→Appliance running cost
Electricity cost by power, time and tariff
Current-year
→Council Tax
Local authority bands, postcode lookup and nation-specific bills
Current-year
→Mortgage affordability
Borrowing range, commitments and stress test
Current-year
→Mortgage calculator
Repayments, loan-to-value and interest
Current-year
→National Insurance
Employee Class 1 National Insurance by salary and region
Current-year
→Net to gross salary
Gross salary needed for a target net pay
FEATURED CALCULATOR
See exactly what reaches your bank account
Income Tax, National Insurance, pension and student loan deductions in one transparent calculation.
UK TAKE-HOME PAY CALCULATOR
What reaches your bank account?
Estimated take-home pay
£2,858/month
£34,300 a year · £660 a week
- Income Tax
- £6,036
- National Insurance
- £2,414
- Pension
- £2,250
- Student loan
- £0
- Total deductions
- £10,700
Period breakdown
Yearly£34,300Net · £45,000 gross
Monthly£2,858Net · £3,750 gross
4-weekly£2,638Net · £3,462 gross
Weekly£660Net · £865 gross
Daily£132Net · £173 gross
Estimate for a full tax year with even pay. Rule version GB-2026.27.1.
Why this number can differ from a payslip
Real payslips can differ because of pay period rounding, bonuses, student loan plans, pension method, Scottish bands, tax codes and one-off corrections. Use the separate calculators to isolate the factor that changed.
2026/27 vs 2025/26No change in this example
HOW TAKE-HOME PAY IS CALCULATED
Personal Allowance → Income Tax bands → NI → pension → student loan
The take-home figure starts with gross pay. From there, Qalqlet applies the current Personal Allowance, Income Tax bands, National Insurance, pension settings and any student loan plan that applies to the payroll setup.
That is why the same gross salary can produce different net pay in Scotland, and why a bonus, a pay rise or a different pension method can move the answer even when the headline salary looks unchanged.
If you are comparing a job offer or trying to work out a mortgage budget, the best follow-up is the How much mortgage can I get in the UK? guide, then the mortgage affordability calculator.
WHY USE QALQLET
Official sources, visible assumptions and linked calculators
Qalqlet is built for users who want a calculation they can audit. Each tool shows the rules in force, the assumptions being used and the related calculator that answers the next question in the chain.
That means you can move from take-home pay into salary, student loan, tax code, mortgage and pension checks without restarting the search or guessing which rates are in force.
The site is intentionally broad because many UK decisions do not end after one number. A salary question often becomes a mortgage question; a mortgage question often becomes a budget question; a pension question often becomes a salary-sacrifice question.
HOW QALQLET DIFFERS
Clearer than a generic calculator, more practical than a one-line answer
Generic calculators often stop at the number. Qalqlet keeps the rule set, the worked example, the related calculator and the source trail visible so the result can be checked and reused in a real decision.
That matters most for take-home pay, mortgage and salary searches, where the real question is usually not the headline result itself but whether the figure still works after NI, pension, student loan, rate changes or a regional tax difference.
If the reader only wants a fast estimate, the featured calculator is enough. If they want to compare an offer, plan a mortgage or understand a payslip, the linked pages and official sources are part of the answer.
FREQUENTLY ASKED QUESTIONS
Quick answers for the homepage
How is take-home pay calculated?
Start with gross pay, then subtract Income Tax, National Insurance, pension deductions and any student loan repayment that applies to your payroll setup.
Does Qalqlet support Scotland?
Yes. Scottish Income Tax bands are modelled separately, so the same salary can produce a different take-home result from England, Wales or Northern Ireland.
Does the site include pension and student loan deductions?
Yes. Those deductions are visible in the take-home pay calculator and the related salary tools so you can test how each setting changes net pay.
How often are rates updated?
Official tax-year changes and source checks are monitored regularly, and the homepage highlights the current UK tax year so the assumptions stay visible.
BUILT FOR TRUST
Every number has a trail.
Official sources
Rates come from HMRC, GOV.UK and devolved administrations.
Visible assumptions
Tax year, location and deduction methods are always shown.
Automated checks
Boundary tests and source monitoring guard every release.
WHY PEOPLE USE QALQLET
Fast answers for UK tax year, salary, mortgage and pension decisions
When someone searches for Income Tax, National Insurance, student loan repayments, mortgage affordability or Council Tax, they usually want a quick result they can trust. Qalqlet keeps those calculations transparent by showing the rule set, the assumptions and the official source behind the answer.
That means you can compare take-home pay, household costs and pension effects without guessing at the rates in force for the current UK tax year.
We also group related tools so a salary question can flow into pension, loan and net income checks, while a property question can move into mortgage, rent and Council Tax calculations without making you start over.
For each calculator, we keep the explanation close to the result: what the tool does, which rules it uses, where the official numbers came from and why two people can see different outputs from the same headline rate.
That helps with the questions people actually ask in the UK: how much take-home pay will I have, how much mortgage can I afford, what does my tax code mean, and what changes when the tax year or my circumstances change.
The site is also structured so the homepage, category hubs, guides and trust pages all point at the same calculator catalogue. That keeps the content predictable for users, search engines and AI systems.