Calculator disclaimer
Take-Home Lab tools and guides are published by Rodway Labs for general information. They are informational only and are not tax, pension or financial advice. Rodway Labs is not a regulated tax or financial adviser. They are not a substitute for your payslip, P60, tax code notice or HMRC Personal Tax Account.
What the calculator models
- 2026/27 income tax on employment income for England, Wales and Northern Ireland, or Scottish income tax bands if you select Scotland.
- Employee Class 1 National Insurance on an annual basis (real PAYE NI is calculated per pay period).
- One undergraduate student loan plan (Plan 1, 2, 4 or 5), with or without a Postgraduate Loan deducted at the same time. Two undergraduate plans together are not modelled.
- A simple workplace pension as either a net pay arrangement or salary sacrifice, as a percentage of gross.
- Personal allowance taper above £100,000.
What it leaves out
Other tax codes, marriage allowance, blind person’s allowance, the High Income Child Benefit Charge, savings and dividend tax, company benefits, court orders, payroll giving, Scottish or Welsh rate quirks beyond the published bands, and employer NI (which does not appear on your payslip as a deduction).
Accuracy and updates
Rates and thresholds are checked against HMRC’s rates and thresholds for employers 2026 to 2027 and the Scottish Government’s 2026 to 2027 Scottish Income Tax bands. Each page shows the date it was last updated. If the government changes a rate mid-year, pages may lag until they are re-checked. Figures are rounded to the penny and may differ from payroll by a few pence because payroll rounds each pay period.
No liability
Rodway Labs makes no guarantee that any figure is complete or suitable for your circumstances, and accepts no liability for decisions made using this site. Do not use these illustrations for tax returns, mortgage applications or contract negotiations without checking a real payslip or professional advice.
Links
Links to GOV.UK, gov.scot and other sites are for reference. We are not responsible for their content. Found a mistake? Report a figure error.
If two results differ from your payslip, trust the payslip and HMRC. Then check hours, tax code, pension scheme type and whether a bonus was paid in that period.
Last updated 12 November 2026.