Still legit though

How we match HMRC-style maths

Satirical vibes, serious spreadsheets. TaxBite uses published Income Tax bands, personal allowance taper, and NI thresholds — all crunched locally in your browser. Your salary never leaves your device.

2025/26 rates Last refreshed: August 2026 · Estimates only

Worked examples (England/Wales/NI, no pension/loan)

GrossTax + NIMonthly net
£30,000£4,880£2,093
£50,000£10,480£3,293
£100,000£31,443£5,713

Try them live with presets below — then add pension, Scotland, or student loan for your real Tax Bite.

Your numbers

Tell us what HR promised

Gross salary in, reality out. We’ll do the depressing maths.

Quick victims

£
%

UK take-home pay, explained simply

TaxBite estimates what you actually keep after Income Tax and National Insurance for the 2025/26 tax year — including Scotland rates, student loans, pensions, bonuses, and self-employed Class 4 NI.

Salary tables £20k–£150kRich £5k milestone pages — not thin £1k clones £50,000 take-homeSee monthly net for a common UK salary £75,000 take-homeHigher-rate territory breakdown £100,000 take-homePersonal allowance taper impact Contractor vs PAYESame £50k, different NI snack Pension sacrificeSmaller bite, bigger pot Emergency tax BR£209/mo less than a normal code The £100k cliffAllowance taper — why six figures stings Pay rise realityWhat you keep from a £10k bump Student loan bitePlan 2 on £50k — the extra £155/mo Scotland vs EnglandCompare regional tax bites Bonus tax guideWhat you’ll keep from a one-off bonus Self-employed NIClass 4 explained

How TaxBite works

TaxBite is a free educational calculator for UK employees and self-employed workers. Enter your gross pay or profits, choose England/Wales/NI or Scotland, and optionally add pension, student loan, or bonus details. We apply HMRC-style Income Tax and National Insurance bands for the selected tax year and show estimated take-home pay plus the Tax Bite (tax + NI).

  • Calculations run in your browser — we don’t need your salary on a server to show a result.
  • Results are estimates. Tax codes, benefits, and emergency tax can change a real payslip.
  • Read the About page for methodology, or contact us with corrections.

Not tax advice. For official rules see gov.uk Income Tax.

Start with the explainers

How UK take-home worksAllowance, tax bands, NI — the full path from gross to net Reading a UK payslipTax code, PAYE, YTD, and why the first slip looks weird Tax year 2025/26What’s frozen, what fiscal drag does, how to model it Tax codes explained1257L, BR, D0, D1, K codes, and the S prefix

Frequently asked questions

How accurate is TaxBite?

We use HMRC-style bands and thresholds for the selected tax year. Results are estimates — your payslip may differ with benefits, tax-code adjustments, or emergency codes.

Does this work for Scotland?

Yes. Choose Scotland in the region dropdown to apply Scottish Income Tax bands while NI remains UK-wide.

Can I calculate a bonus?

Open Advanced Features and enter a bonus amount. We’ll show the marginal bite and your bonus take-home.

Is my salary data private?

Yes. Calculations run entirely in your browser. We don’t upload your salary figures to a server.

Is TaxBite free?

Yes — free forever. Optional ads after results help keep the calculator running.