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%.

If you've overpaid tax, HMRC usually calculates this automatically and sends a P800 letter. You can also claim it online via your Personal Tax Account or through the HMRC app.

From 6 April 2026, SSP is £123.25 per week and starts from day one of sickness — the previous 3 waiting days no longer apply. All employees qualify regardless of their earnings level, including zero-hours and part-time workers. Lower earners receive 80% of their average weekly earnings if that is less than £123.25. Use our SSP calculator to work out your exact entitlement.

For 2026/27, Statutory Maternity Pay (SMP) is paid at 90% of your average weekly earnings for the first 6 weeks, then at the flat rate of £194.32 per week (raised from £187.18 in April 2026) for up to 33 weeks. You must have worked for your employer for at least 26 weeks by the 15th week before your due date to qualify.

From April 2026, the two-child limit has been abolished. You can now claim the child element for third and subsequent children born after April 2017. See our Universal Credit 2026 guide for details.