Free UK Payroll Calculators — Everything Available at OS Payroll
Whether you want to know your exact take-home pay, check what salary you need to achieve a target monthly income, or look up what people earned in 1975, OS Payroll has a free tool for it. Here's everything that's available — no sign-up, no subscription, no ads.
The Pay Calculator
The OS Pay Calculator is the most versatile tool on the site. Enter your salary, tax code, National Insurance category, student loan plan, pension contribution and region (England, Wales, Northern Ireland or Scotland), and it calculates your exact take-home pay for 2026/27.
It handles the things most calculators miss: the Scottish income tax rates, Plan 5 student loan repayments, salary sacrifice pension contributions (which reduce your NI as well as tax), and the precise thresholds that apply this tax year. You can switch between annual, monthly and weekly views, and it updates instantly as you change any figure.
The calculator is particularly useful when you receive a pay rise or bonus. Because it shows your marginal rate, you can see exactly what each extra pound is actually worth after tax — which matters most for earnings near the £50,270 higher rate threshold, where the effective rate jumps to 42p in the pound.
The P60 Calculator
The P60 Calculator works from your annual gross pay and produces a summary matching the layout of an official P60 — total pay, tax deducted, and National Insurance contributions for the tax year.
It's useful for cross-checking your employer's figures, understanding what's on your P60, or preparing for a Self Assessment return. If you've had multiple employments in a tax year, you can run the calculator once per employer and compare totals.
And if you've lost your P60 entirely, or need a replacement document for a mortgage application or letting agent, OS Payroll can create a replacement P60 — a correctly formatted digital or printed document produced from your own pay data. Full details on the Create page.
The Self-Employed Tax Calculator
The self-employed tax calculator covers sole traders and freelancers working under Self Assessment. Enter your annual profit (or expected profit) and it calculates your income tax, Class 4 National Insurance, and Class 2 NI contributions for 2026/27.
It also shows the trading allowance and the point at which payments on account to HMRC kick in — often a surprise for people in their first year of self-employment. If you're moving from PAYE employment to self-employment, the side-by-side comparison of your current take-home and your projected self-employed income is a useful starting point for planning.
The Maternity Pay Calculator
The maternity pay calculator covers Statutory Maternity Pay (SMP) week by week across the full 39-week entitlement period. It calculates the first six weeks at 90% of average weekly earnings, then the remaining 33 weeks at the SMP flat rate (£194.32/week in 2026/27), giving you a full payment schedule from your expected week of childbirth.
You can also use it to model enhanced maternity pay if your employer offers it, or to understand what you'd receive if you return to work early and end your SMP entitlement before the 39 weeks are up.
Wayback Wage
A bit different from the others — Wayback Wage lets you look up average UK salaries from the 1950s through to today, with inflation adjustment so you can compare earnings across decades in today's money.
It answers questions like: what was a typical wage in 1980, and what would that be worth now? Or how has average pay kept pace with inflation since the 1990s? It draws on historical ONS and ASHE data and adjusts using the RPI and CPI series, so the comparisons are genuinely meaningful rather than just nominal.
Replacement Payslips
If you've lost a payslip — or several — OS Payroll can recreate them. You enter your pay details (gross pay, tax code, deductions) and the system generates a correctly formatted digital payslip. These are commonly needed for mortgage applications, visa applications, and tenancy checks where lenders or landlords want to see several months of pay history.
The same service covers P60s and other pay documents. Everything is produced from the figures you provide and formatted to match standard UK payslip and P60 layouts. Visit the Create page to get started.
What gross salary do I need to take home X per month?
One of the most common questions people search is the reverse of the standard take-home calculation: not "what do I take home on £X salary" but "what salary do I need to take home £X per month?" The table below answers it for the most common target take-home amounts, using 2026/27 rates, a standard 1257L tax code, no student loan, and a 5% employee pension contribution.
For a personalised figure that accounts for your tax code, student loan plan and pension rate, use the Pay Calculator.
| Net | Tax | NI | Pension (5%) | Gross |
|---|---|---|---|---|
| £1,500 | £126 | £50 | £88 | £1,764 |
| £1,750 | £195 | £78 | £106 | £2,130 |
| £2,000 | £265 | £106 | £125 | £2,495 |
| £2,250 | £334 | £134 | £143 | £2,861 |
| £2,500 | £403 | £161 | £161 | £3,226 |
| £2,750 | £473 | £189 | £180 | £3,592 |
| £3,000 | £542 | £217 | £198 | £3,957 |
| £3,250 | £612 | £245 | £216 | £4,323 |
| £3,500 | £760 | £258 | £238 | £4,755 |
| £4,000 | £1,105 | £275 | £283 | £5,663 |
| £4,500 | £1,449 | £292 | £329 | £6,570 |
| £5,000 | £1,794 | £310 | £374 | £7,478 |
All figures monthly. 2026/27 rates, standard 1257L tax code, no student loan, 5% employee pension contribution (salary sacrifice). Gross is the total salary needed to achieve the net figure after all deductions. Earnings above £50,270 are taxed at the 40% higher rate — reflected from £3,500 net upwards. Use the Pay Calculator for your exact figures.
Frequently asked questions
Are all the OS Payroll calculators free?
Yes. The pay calculator, P60 calculator, self-employed calculator, maternity pay calculator and Wayback Wage are all completely free to use with no account required. The document creation service (replacement payslips and P60s) is a paid service.
How accurate are the calculations?
All calculators use the official 2026/27 HMRC rates and thresholds. Results match HMRC's own PAYE calculations for standard employment situations. For unusual tax codes, multiple employments, or complex pension arrangements, we recommend cross-checking with your employer's payroll software or an accountant.
What is the Wayback Wage calculator?
Wayback Wage shows average UK salaries from the 1950s to today, adjusted for inflation so you can make meaningful comparisons across decades. It uses ONS and ASHE historical earnings data with RPI and CPI adjustments.
Can I get a replacement P60 or payslip?
Yes. OS Payroll can produce replacement pay documents from your own pay data. These are formatted to standard UK layouts and are suitable for most purposes including mortgage applications and tenancy checks. Visit the Create page for details.
All figures based on 2026/27 HMRC rates. For general information only — not financial or tax advice.