Before you sign that expat contract, model your UK take-home pay
Will you actually be better off abroad? Run your gross salary through 2026/27 income tax, National Insurance, student loans and Universal Credit to find your true net monthly household income. Includes Scottish bands, the end of the two-child limit and frozen LHA. That figure is your baseline for judging any tax-free offer.
Net Take-Home Pay
After tax, NI, loans
Universal Credit
Monthly award
Child Benefit
Net after HICBC
Lower earner must be below £12,570; higher earner must be basic rate.
Relief-at-source contributions reduce adjusted net income (ANI) and increase UC.
Doesn’t reduce take-home. Shown in the pension summary below.
UC covers 85% up to cap. You can't claim this and Tax-Free Childcare at the same time.
Enter your BRMA cap. Frozen at 2024 rates in 2026/27.
Deducts £96.55 per non-dependant from housing element.
UC barred above £16,000. Tariff income applies between £6k–£16k.
Used to estimate Council Tax Reduction banding.
| Band | Rate | Tax |
|---|
| Element | Monthly |
|---|
Strategic Insight
Enter your details above to see your true household income and marginal deduction rate.
How this calculator works
The calculator works in the same order as the official rules: payroll deductions first, then benefits. It uses 2026/27 HMRC and DWP rates. Scottish tax bands and devolved benefits are applied when Scotland is selected.
Income Tax (with Personal Allowance taper), Class 1 NICs, student loans and pension contributions. Scottish bands used when selected.
Maximum award compiled from standard allowance, child elements, housing, childcare and disability additions. Means-tested with work allowance and 55% taper.
Child Benefit uses the highest individual income for HICBC. Scottish Child Payment and Healthy Start assume eligibility through Universal Credit; other qualifying benefits are not modelled. Council Tax Reduction is an estimate.
- Self-employed income is not modelled; only employee PAYE.
- LHA rates must be entered manually; they are frozen at 2024 levels.
- Council Tax Reduction is estimated from typical income-banded schemes; actual rules vary by local authority.
- Capital disregards (primary residence, business assets) are assumed; enter liquid savings only.
- Benefit Cap is not applied. It may reduce the award unless your household qualifies for an exemption.