UK Salary, Overtime & Take-Home Pay Calculator – 2026/27

Estimate your UK salary, overtime, deductions and take-home pay with an easy Excel calculator, plus a printable 10-page planning guide.

KNOW WHAT YOUR PAY COULD LOOK LIKE BEFORE PAYDAY

The UK Salary, Overtime & Take-Home Pay Calculator helps you convert salary and hourly pay, plan overtime, compare a proposed pay rise and estimate how much money may reach your bank account.

Simply complete the clearly marked yellow cells. The spreadsheet automatically calculates your gross pay, estimated Income Tax, employee National Insurance, pension deduction, other deductions and take-home pay.

WHAT IS INCLUDED

• One professionally formatted Excel calculator with five connected worksheets

• One 10-page PDF quick-start guide and printable planning workbook

• Annual salary and hourly-rate conversion

• Monthly, four-weekly, fortnightly and weekly pay estimates

• Overtime planning with custom hours and pay multipliers

• Pay-rise comparison showing the estimated monthly difference

• 2026/27 Income Tax and employee National Insurance assumptions

• Official GOV.UK source links inside the workbook

WHO IT IS FOR

• Employees checking a new salary or job offer

• Hourly workers planning overtime

• Anyone comparing current and proposed pay

• People who want a simple planning estimate without building their own spreadsheet

IMPORTANT INFORMATION

This product provides an annualised planning estimate for the 2026/27 tax year using the standard England, Wales and Northern Ireland Income Tax basis and employee National Insurance category A.

It does not cover Scottish Income Tax, every tax code, benefits in kind, salary sacrifice or every pension arrangement.

It is not payroll software, financial advice or tax advice. Always compare the estimate with an actual payslip or an official HMRC calculation.

FILE REQUIREMENTS

The calculator is supplied as an .xlsx Excel workbook and can be opened in recent versions of Microsoft Excel. Other spreadsheet programs may display or calculate some features differently.