About Take-Home Lab
Updated 12 November 2026 · Tax year 2026/27
Take-Home Lab is an independent informational site from Rodway Labs, UK. It publishes a take-home pay calculator and short guides so you can see how income tax, National Insurance, student loan and pension contributions change a headline salary.
We built the tools. We are not an authorised tax adviser, accountant, payroll bureau or FCA-authorised firm. Figures on this site are illustrations with the assumptions written next to them.
What you will find here
- An in-browser 2026/27 take-home calculator for England/Wales/NI or Scotland, with optional pension and one student loan plan.
- Salary landings (for example £25k–£100k) that show a worked annual stack for that gross figure.
- Topic guides on pay rises, bonuses, hourly pay, salary sacrifice, Scotland vs rest of UK, and student loan plans.
- A methodology page and a glossary so the numbers are auditable.
What we will and will not do
- We will show the method under each result and date-stamp the rates.
- We will cite HMRC, GOV.UK and Scottish Government pages when we state a band or threshold.
- We will not tell you which job to take, how much to put in a pension, or that a figure is “your tax bill”.
- We will not add loan, mortgage or insurance application funnels on this site.
- We will not treat calculator inputs as identity data: they stay in your browser for the calculation.
Rates in use
Pages on this site use the 2026/27 tax year (6 April 2026 to 5 April 2027) unless a page says otherwise. Checked 12 November 2026 against HMRC employer rates and the Scottish Government bands for 2026 to 2027. When a threshold changes mid-year, we update the calculator and stamp the guide.
Advertising
Selected pages may show Google AdSense after you accept advertising cookies. Legal stubs and most guides do not load ads. Full disclosure: Advertising, Cookies, Privacy.
Sister labs
Rodway Labs also publishes Remortgage Lab and LoanCalc Lab. Each lab stays on its own subject. This site does not calculate mortgages or personal loans.
Publisher: Rodway Labs · Contact: contact page or hello@takehomelab.co.uk · No personal name or biography is published here on purpose. How we write and check: editorial policy. Take-Home Lab has no affiliate links: affiliate disclosure.