2026/27 tax year

UK payslip calculator and checker

Estimate a weekly, four-weekly or monthly payment, then compare the result with your actual payslip to understand meaningful differences.

Gross pay this periodPay frequencyPayment dateTax period numberTax codeWhere are you a taxpayer?Student loan

I receive Marriage Allowance

This adds the £1,260 transferred allowance for an eligible receiving basic-rate taxpayer.

Use cumulative PAYE

For a period after your first payment, copy these year-to-date figures from your previous payslip. Otherwise, select non-cumulative PAYE.

Taxable pay year-to-date before this paymentIncome Tax paid year-to-date before this payment

Pension and postgraduate-loan settings

Defaults use the usual automatic-enrolment minimum: 5% employee and 3% employer on qualifying earnings. Check your pension scheme before calculating.

Employee pension %Employer pension %Pension methodPension basis

I also repay a postgraduate loan

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How to check a payslip

Copy the gross pay, payment date, tax period number and tax code from the payslip you want to check.
Select the correct pay frequency. For cumulative PAYE after your first payment in the job, enter the taxable pay and Income Tax paid to date from your previous payslip.
Add pension and student-loan details if they apply, then compare the estimate with the deductions on your payslip.

Why your payslip may be different

Income Tax often changes because PAYE is cumulative: payroll considers earlier taxable pay and tax paid in the tax year. National Insurance is normally worked out for each payment period, so bonuses, irregular pay, and a different NI category can also change it. Pension schemes may use qualifying earnings rather than your full gross pay.

Use the discrepancy checker

After calculating, open “Compare with your actual payslip” and enter any deductions you want to check. The tool shows the difference and suggests the area to review. It cannot confirm a payroll error—ask your employer's payroll team or HMRC if you think your real payslip is incorrect.

Important limits

This estimate supports standard employee NI category A and selected tax codes for England, Wales and Northern Ireland in 2026/27. It does not yet cover bonuses, benefits, multiple jobs, K codes, Scottish or Welsh tax codes, attachment orders or employer-specific deductions.

See HMRC's guidance on employee Income Tax and employee National Insurance.

Guides

How is a second job taxed? — understand second-job tax codes and separate NI deductions.

How to calculate a pro-rata salary — understand part-time pay and what to check in an offer.

How much tax do you pay on overtime? — understand why overtime can look heavily taxed.

Statutory Sick Pay 2026/27 — understand the current SSP rate and first-day rules.

UK tax year 2026/27: what changes? — check which payroll rules apply to your payment date.

What does tax code 1257L M1 mean? — understand the common emergency tax code and what to do next.

Cumulative vs non-cumulative PAYE — understand why a tax code can change what is deducted from your payslip.

Why has my take-home pay gone down? — identify the likely cause of a smaller payment and what to check.

How mortgage overpayments work — see how an extra payment can reduce interest and shorten a term.