Two new calculators: UK take-home pay and mortgage repayments
Two new calculators are live: a UK salary calculator and a UK mortgage calculator. Both free, no sign-in, both run in your browser.
The salary one is here because your CGT rate depends on your income — 18% on the part of a gain that fits inside your basic rate band, 24% above it. “What is my taxable income” was already the first question the CGT report needed answered.
Take-home pay
Gross salary in, take-home out — per year, month and week, with Income Tax, National Insurance, pension and student loan broken out. Tax years 2026/27, 2025/26 and 2024/25. Pensions work by salary sacrifice or relief at source; student loans cover Plans 1, 2, 4, 5 and the Postgraduate Loan.
Scotland is a checkbox, and it matters more than most people expect:
| Gross salary | Rest of UK | Scotland | Difference |
|---|---|---|---|
| £35,000 | £28,720 | £28,705 | −£15 |
| £50,000 | £39,520 | £38,024 | −£1,496 |
| £60,000 | £45,357 | £43,607 | −£1,750 |
At £35,000 the gap is fifteen pounds. At £50,000 it is £1,496, because the Scottish 42% rate starts before the rest-of-UK 40% does. Check it yourself: £50,000 in the rest of the UK against £50,000 in Scotland. Figures are 2026/27 with no pension and no student loan, rounded to whole pounds the way the page shows them.
The £100,000–£125,140 personal allowance taper is handled too — that is the 60% tax trap, which has its own post.
Mortgage repayments
Price, deposit, rate, term. Deposit in pounds or as a percentage, repayment or interest-only, with overpayments. Everything is simulated month by month in exact pence, so the headline figures, the cost table and the balance chart cannot disagree.
A £350,000 purchase with a £35,000 deposit at 4.5% over 30 years: £1,596.06 a month, £259,581 of interest, £574,581 in total. Add £200 a month off the capital and it clears 6 years 1 month early, saving £60,166.
What they do not do
The salary figure assumes a standard tax code — no bonuses, benefits in kind, net-pay-arrangement pensions or Marriage Allowance. The mortgage figure is loan arithmetic only: no Stamp Duty, fees or insurance, and it holds the rate flat for the whole term, which no fixed deal does.
Neither is advice. Both pages link to a documentation chapter listing every band, threshold and formula they apply.
Sources
- Income Tax rates and Personal Allowances – GOV.UK
- National Insurance rates and categories – GOV.UK
- Personal Allowances: adjusted net income – GOV.UK
- Repaying your student loan: what you pay – GOV.UK
- Scottish Income Tax: technical factsheet – gov.scot
- Capital Gains Tax rates – GOV.UK