UK Payslip Checker 2026/27 —
Free, Instant, Private.

Yes. We use the official 2026/27 PAYE bands (Personal Allowance £12,570, Basic Rate 20% up to £50,270, Higher Rate 40% up to £125,140), current NI thresholds (Primary Threshold £12,570, Upper Earnings Limit £50,270), and all five student loan plan thresholds.

No. The calculator runs entirely in your browser with no sign-up, no account, and no data stored. Everything resets when you close the page.

Common reasons include: additional deductions your employer applies (childcare vouchers, cycle-to-work, court orders, salary advances), your payroll running on a Week 1/Month 1 non-cumulative basis, or a non-standard element in your tax code. Use the Compare field to check, and ask your payroll team if you spot a large unexplained difference.

Salary sacrifice is an agreement where your employer reduces your gross pay before tax and NI are calculated, and pays that amount into your pension instead. Because both your gross pay and NI-able pay go down, you save income tax AND National Insurance on the contribution.

Possibly. BR means Basic Rate — your employer applies 20% tax on everything you earn with NO personal allowance. This is correct for a second or additional job, but if this is your only job, you are almost certainly overpaying tax. Contact HMRC on 0300 200 3300 or update your details in your HMRC Personal Tax Account at gov.uk.

For a standard Category A employee in 2026/27: you pay 8% NI on earnings between £12,570 and £50,270 per year, and 2% on anything above £50,270. If you earn below £12,570, you pay no NI.

The standard Personal Allowance for 2026/27 is £12,570. This is the amount you can earn before paying any income tax. Most people have the standard 1257L tax code which gives them this full allowance.

Student loan repayments are deducted automatically via PAYE once your income exceeds your plan's threshold. Plan 2 threshold is £28,470 — you repay 9% of everything above this. Plan 1 threshold is £24,990. Plan 4 (Scotland) is £31,395. Plan 5 is £25,000. Postgraduate loan threshold is £21,000 at 6%.