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 ANI and increase UC.
UC covers 85% up to cap. Mutual exclusion with Tax-Free Childcare.
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 |
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Strategic Insight
Enter your details above to see your true household income and marginal deduction rate.
How this calculator works
The calculator follows the statutory algorithm: payroll deductions first, then welfare entitlements. 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 with HICBC taper, Scottish Child Payment, Healthy Start cliff-edge and estimated Council Tax Reduction.
- 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; working households above £846/mo are exempt.