About takehomecalcs

Last updated 21 August 2026

takehomecalcs.com is a free, fast take-home pay calculator for the UK, Scotland, Ireland and Malta. Enter a salary and it shows exactly what lands in your account after tax and the other compulsory deductions — for the year, month, week and day. No sign-ups, no accounts, no clutter: the calculators run entirely in your browser, so nothing you type is sent anywhere, and every page is plain HTML that loads in under a second.

Who maintains it

takehomecalcs.com is maintained by a software engineer. There is no team behind it and no claim to be a tax adviser — the value is in the method, not a credential. Every rate and threshold on the site is transcribed by hand from the official government source for that country, recorded with a link and the date it was checked, and pinned in place by an automated test suite, so a published figure cannot quietly drift from the source it came from. Where a headline number is derived rather than copied — such as the salary at which a Scottish taxpayer starts paying more than someone in England — it is computed from the verified rates and checked by test, never typed from memory.

Where the figures come from

Each country is sourced from its own official authority: GOV.UK for England, Wales and Northern Ireland; gov.scot for the devolved Scottish Income Tax bands, with the reserved figures — National Insurance, student loans and the Personal Allowance — from GOV.UK; Revenue, gov.ie and Citizens Information for Ireland, with the PRSI rates confirmed against the Department of Social Protection's SW14 leaflet; and the MTCA — the Malta Commissioner for Tax and Customs — for Malta. Every calculator and every reference page shows its own list of sources and the date those figures were last verified at the foot of the page, so the claim is meant to be checkable rather than taken on trust. When rates change at a Budget they are re-checked against the primary source, never copied forward from a previous year or from another calculator. This discipline is deliberate: several live competitors publish rates that went stale years ago, and re-verifying at every Budget is what avoids that.

What each calculator does — and does not — model

The four calculators cover the core of each country's system deliberately, and leave the edge cases out rather than guess at them. The UK page (England, Wales and Northern Ireland) models Income Tax, National Insurance, student loans and a workplace pension for a single employee on a standard tax code, with the pension treated as a net-pay arrangement; it does not yet handle non-standard tax codes, salary sacrifice, bonuses, overtime or taxable benefits. The Scotland page uses the six devolved Scottish Income Tax bands and adds a Scotland-versus-England comparison and the crossover point where the two diverge; National Insurance, student loans and the Personal Allowance are UK-wide and shared with the UK engine. The Ireland page covers a single PAYE employee, modelling Income Tax with the personal and PAYE tax credits, USC and PRSI — it does not yet handle the married or two-income standard-rate cut-off, the self-employed, or the emergency and week-one basis. The Malta page covers a resident individual, with Income Tax on the status-based schedules (single, married and parent, plus the child sub-tiers new for 2026) and the capped Social Security Contribution; non-resident rate schedules are out of scope and stated as such on the page.

Reference pages

Alongside the Malta calculator there are reference pages for people who want the rates themselves rather than a result: the Malta income tax rates with the multiply-and-subtract formula, the Social Security Contribution rate and weekly cap, the parent and child schedules with who qualifies, and the part-time work tax rate. Like the calculators, each reference page carries its own sources and the date it was last verified.

Report an error

Spotted a rate that has gone stale, or a figure that does not look right? Please get in touch: email hello@takehomecalcs.com. Rate corrections are especially welcome — every figure is checked against the government source for its country, and if one has gone out of date it can be fixed against the primary source and the verified date updated. A reported and corrected error is exactly the kind of check this site is built around.

Estimates, not financial advice

The results are estimates for general guidance and not financial advice. Your real pay can differ because of your tax code, salary sacrifice, benefits or other circumstances the calculator does not model, and payslips are worked out per pay period with small rounding that a whole-year figure will not reproduce exactly. See the Terms of Use for the full note and the Privacy Policy for how your data is handled — which is to say, it never leaves your browser. For anything else, get in touch.