HMRC 2026/27 Rates

Your salary isn't what you think

Between tax, NI, pension, and student loan, thousands disappear before they reach your bank. SalarySnap shows you exactly where every pound goes, in seconds. Free, private, no account needed.

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2026/27

HMRC tax year

100%

On-device privacy

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Core calculator forever

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who it's for

Built for anyone who wants clarity on their pay.

Changing jobs

Compare two offers side by side and see the real take-home difference, not just the headline salary.

Earning over £100k

See the hidden 60% tax trap and how salary sacrifice could save you thousands every year.

Just graduated

Understand student loan repayments (Plans 1-5) and see exactly what your first salary really pays.

Relocating in the UK

Compare the cost of living between 20+ regions and see what salary you'd need to maintain your lifestyle.

compare

Two offers. One clear answer.

Side-by-side salary comparison with independent settings. Free for basic compare. Pro adds bonuses, employer pension match, and cross-region equivalents.

Line-by-line clarity

Every deduction compared with the difference highlighted. See the marginal rate on your raise and your percentile shift between offers.

Marginal Rate Fiscal Drag Percentile Shift Bonus & Pension Match pro

Where you rank in the UK

See your salary percentile among full-time workers by age band and region, sourced from ONS ASHE 2025 data.

ONS ASHE 2025 Age & Region

pro toolkit

Keep more of what you earn.

Six tools that go beyond calculation. Find tax-efficient strategies, escape the £100k trap, and plan for the future.

Pension Optimiser pro

Adjust your contribution and see take-home update in real time. Interactive projection chart to retirement.

Tax Year Comparison pro

Compare your take-home pay across multiple UK tax years side by side. See exactly how frozen thresholds and fiscal drag affect your pay year over year.

Bonus Calculator pro

See exact marginal deductions on a bonus. Compare cash vs salary sacrifice and see the tax saved.

£100k Tax Trap pro

Interactive chart of marginal rates from £90k to £140k. Pension slider shows how to escape the 60% trap.

Cost of Living pro

Compare living costs between 20+ UK regions with equivalent salary calculation and interactive map.

Salary Sacrifice pro

Model Extra Pension, Cycle to Work, EV Scheme, and Childcare Vouchers with before/after breakdown.

pricing

Start free. Unlock everything when you're ready.

The core calculator is free forever, with no ads. Pro adds six powerful tools, enhanced compare, and PDF/CSV export.