Take-Home Compass answers

Every answer below is aimed at a question people measurably search for, is written from named sources, and links to the page that handles the job itself. None of them is a landing page in disguise.

• Hourly wage calculator: the hourly rate calculator maths, from per-hour to per-year

  Turn an hourly wage into a salary and a take-home: £15 an hour on a 37.5-hour week is £29,250 a year, £24,579.60 after tax and NI in 2026/27.

• Pro rata salary calculator: how to calculate pro rata salary from hours or days

  Pro-rate a full-time salary, then tax the result: £30,000 at three days a week is £18,000, which keeps £16,479.60 after tax and NI in 2026/27.

• Pro rata calculator: any amount, cut to the share of time it covers

  The pro-rata method for pay, holiday and bills: fraction of time × the full amount. £28,000 at 0.6 is £16,800, keeping £15,615.60 after 2026/27 deductions.

• What is pro rata: and what does pro rata salary mean on a job advert?

  Pro rata means in proportion to time worked. A "£30,000 pro rata" advert at 0.6 hours pays £18,000 gross, £16,479.60 after 2026/27 tax and NI.

• Pro rata pay calculator: a prorated salary worked to the pound, then taxed

  Pro-rate pay by hours, days or weeks and tax the result: £24,000 from a £30,000 FTE keeps £20,799.60 in 2026/27. Worked examples for each basis.

• 30000 pro rata: what a £30,000 FTE pays at every common fraction, after tax

  £30,000 pro rata worked out: 0.8 is £24,000 (£20,799.60 net), 0.6 is £18,000 (£16,479.60 net), 0.5 is £15,000 (£14,319.60 net) in 2026/27.

• Part time salary calculator: the part time calculator for hours, pay and take-home

  Scale a salary to part-time hours and tax it: £28,000 FTE at 3 days is £16,800, keeping £15,615.60, £1,301.30 a month in 2026/27.

• Work out part time salary from the full-time rate: then check the take-home

  Work out part time salary in three lines: FTE ÷ full hours × your hours. 20 of 37.5 hours on £33,000 is £17,600, keeping £16,191.60 in 2026/27.

• Teacher take home pay calculator: salary points to payslip, worked through

  What a teaching salary keeps in 2026/27: £33,000 keeps £27,279.60, £40,000 keeps £32,319.60, £50,000 keeps £39,519.60: before pension.

• Compare two salaries after tax: when you compare 2 salaries, net decides

  £38,000 vs £42,000: the £4,000 gross gap is £2,880.00 net in 2026/27. How to compare two salaries on take-home, pension and the marginal rate.

• Work out my tax: the four lines between gross pay and the payslip

  Work your tax out by hand for 2026/27: on £34,000, income tax is £4,286.00 and NI £1,714.40, leaving £27,999.60. Every line shown with its rate.

• NI and tax calculator: what National Insurance and income tax take together

  Both deductions on one page: at £45,000, tax £6,486.00 + NI £2,594.40 = £9,080.40, leaving £35,919.60 in 2026/27.

• Scotland salary calculator. Scottish income tax next to the rest of the UK

  Scottish bands, worked: £45,000 keeps £35,523.55 in Scotland vs £35,919.60 in the rest of the UK for 2026/27: a gap of £396.05.

• Day rate calculator: how many working days in a year, and what the rate keeps

  A £400 day rate over 220 billed days is £88,000 a year, £61,597.40 after tax and NI under PAYE in 2026/27. The working-days maths, stated honestly.

• BIK tax calculator: what a benefit in kind really costs you per year

  BIK tax = cash equivalent × your income-tax rate: a £5,000 benefit costs £1,000.00 a year at basic rate and £2,000.00 at higher rate in 2026/27.

• Salary calulator or salary calculator: the same take-home maths either way

  However it is spelled, the question is take-home: £25,000 keeps £21,519.60, £35,000 keeps £28,719.60, £50,000 keeps £39,519.60 in 2026/27.

• The salary UK calculator that shows the deductions, not just the net

  UK take-home at a glance for 2026/27: £30,000 keeps £25,119.60, £45,000 keeps £35,919.60, £60,000 keeps £45,357.40. Every line itemised.

• 55k take home pay UK: what you keep, and what the next 5k and 25k add

  £55,000 keeps £42,457.40, £60,000 keeps £45,357.40, £80,000 keeps £56,957.40 in 2026/27. What each rung of the ladder is really worth.

• 1257L tax code: what the number and the letter mean on your payslip

  What 1257L means, how the number becomes your allowance, and what BR, W1/M1 and a T suffix change. Read against the 2026/27 rates.

• What is PAYE? The Pay As You Earn system, read line by line on a payslip

  What PAYE is, which lines it produces on a payslip, and how tax and National Insurance are worked out on the 2026/27 rates.

• What is an umbrella company? Who employs you, and what comes out of the rate

  What an umbrella company is, how the assignment rate becomes your gross pay, and what the 2026 PAYE rules changed for supply chains.

• Umbrella calculator UK: from the assignment rate to what reaches your account

  How an umbrella calculation runs from assignment rate to take-home, and the lines a credible illustration has to show.

• Term time salary calculator: what a 39 week contract really pays

  A term time only contract on a £24,000 full-time salary pays £20,528.16 a year on 39 weeks plus 5.6 weeks holiday: £18,299.88 after tax and NI in 2026/27.

• Part month salary calculator UK: the three methods an employer may use for a part month of pay, and what each one pays on the same 13 days

  Start or leave mid-month and the first payslip is a fraction of a twelfth: calendar days, working days and 1/260ths pay £1,397.26, £1,477.27 and £1,500.00.

• Tax year dates: when the UK tax year starts and ends, and the payroll dates inside it

  The 2026/27 UK tax year runs 6 April 2026 to 5 April 2027. Tax month 1 ends 5 May, P60s are due by 31 May and P11Ds by 6 July.

• Payslip generator UK: every line it has to produce, and what it cannot

  A UK payslip must show gross pay, every deduction with its amount and the net. What a payslip generator has to produce, and what a download proves.

• Example payslip UK: a worked month on £30,000, read line by line

  A worked UK payslip on a £30,000 salary: £2,500.00 gross, £290.50 tax, £116.20 National Insurance, £2,093.30 net, with every line explained.

• Net pay arrangement pension contributions, and how they differ from relief at source on the same payslip

  Under a net pay arrangement the contribution comes off before tax, so relief is at your own rate. Under relief at source it does not. The difference.

• What is net pay? Gross, net, and what comes out between them

  Net pay is what reaches your account after every deduction. Gross is before. On £30,000 the gap is £4,880.40 a year: £3,486.00 tax and £1,394.40 NI.

• Employer national insurance calculator: what a hire really costs at 15%

  Employer NI is 15% of pay above £5,000 a year in 2026/27. A £30,000 salary costs £33,750, a £40,000 salary £45,250, before the Employment Allowance.

• Overtime tax calculator: what overtime is really taxed at, and why the payslip looks worse than it is

  Overtime is taxed at your marginal rate, not a special one: 28% on basic-rate pay, 42% above £50,270. £100 of overtime keeps £72, or £58.

• Emergency tax calculator: what an emergency tax code takes from a month's pay, and how much of it comes back

  An emergency code taxes each period on its own, with no history behind it. What 1257L W1, BR and 0T cost on a month's pay, and how the money comes back.

• Best umbrella company UK: seven read on one day, and none publishes its price

  Seven UK umbrella companies read on 17 September 2026. Not one publishes its margin. What they do publish, and how to get the real figure before you sign.

• Umbrella company fees: the margin, the employment costs, and the fees to refuse

  The margin is tens of pounds a week. Employer NI takes £179.03 on a £1,500 assignment. What comes out between the assignment rate and your gross pay.

• List of HMRC approved umbrella companies: there is no such list, what HMRC does publish instead, and what a list of umbrella companies UK is actually worth

  HMRC approves no umbrella company. It publishes a named tax avoidance list and a spotlight warning instead. What the FCSA and SafeRec marks do mean.

• How to set up an umbrella company UK: why you join one rather than form one

  You do not set one up, you join one as an employee. What an umbrella company does, how the assignment rate becomes your pay, and the two days it takes.

• PAYE or umbrella: the same tax, and the costs that differ

  Agency PAYE and an umbrella deduct the same Income Tax and NI. What differs is who meets the employment costs out of the rate you were quoted.

• Umbrella vs limited company calculator: one rate through both routes in 2026/27

  £250 a day over 220 days: a limited company outside IR35 keeps £41,030.73, an umbrella £37,587.13. The gap, and who actually has the choice.

• Umbrella company inside IR35: why it is the usual inside route, and what it costs outside

  Inside IR35 an umbrella is the simple route and costs nothing extra. Outside it, on £250 a day, it costs about £3,443.60 a year.

• Company car tax calculator: the P11D value, the percentage and your tax rate

  Company car tax is P11D value times the appropriate percentage times your tax rate. A £40,000 electric car at 4% costs a basic-rate driver £320 a year.

• Limited company tax calculator UK: from turnover to what reaches your pocket

  £55,000 of turnover through a contractor company: £7,465.96 Corporation Tax, £3,367.82 dividend tax, £41,030.73 in the director's pocket for 2026/27.

• Director salary calculator: salary and dividends for 2026/27, costed properly

  A £12,570 director salary carries £1,135.50 of employer NI and saves £1,654.05 of Corporation Tax. Dividends above it are taxed at 10.75% for 2026/27.

• Does IR35 apply to self employed sole traders? What replaces it with no company

  IR35 applies to work done through an intermediary. A sole trader has none, so the rules do not apply. Employment status and the agency rules do.

• IR35 advice: who can give it, and what it is worth before and after a determination

  A status opinion is only worth what it can be produced against. What an IR35 contract review buys, who carries the liability, and what to ask for.

• IR35 compliant contract: why the clauses do not decide it, and the practices do

  There is no compliant contract, only a contract that matches the work. The three clauses that matter, and the practices that override every one of them.

• IR35 questionnaire: the questions a status determination really turns on

  What a status questionnaire asks, why the same answers can produce two determinations, and the three questions that decide most engagements.

• Us tax calculator: what a US salary keeps after federal Income Tax and FICA in 2026, and the two deductions this one does not know about

  A $75,000 US salary keeps $61,592.50 after $7,670.00 of federal Income Tax and $5,737.50 of FICA, before any state tax. The bands and the traps.

• Salary calculator Ireland: what an Irish salary takes home in 2026 after income tax, USC and PRSI, and why the tax credits change the answer

  €50,000 in Ireland keeps €39,667.18 in 2026: €7,200.00 income tax after credits, €1,032.82 USC and €2,100.00 PRSI. The bands and the credits.

• France tax calculator: the three different numbers a French payslip calls net

  A French payslip shows brut, net avant impôt and net à payer. The 2025-income barème, worked: €40,000 of net imposable pays €5,103.99 of income tax.

• Salary calculator netherlands: the box 1 rates for 2026, the two tax credits that decide the real deduction, and the holiday allowance a UK reader forgets

  Dutch box 1 in 2026 is 35.75% to €38,883, then 37.56% to €78,426 and 49.50% above. Two tax credits then cut the bill, and 8% holiday pay sits on top.

• Spain salary calculator: why half the income tax is regional

  Spanish IRPF is two scales added: a state one and one your region sets. The state half on €40,000 is €5,250.75; the other half depends on where you live.

• Sweden salary calculator: why a Swedish salary is taxed mostly by your municipality, where the 20% state tax starts in 2026, and what the employer pays on top

  Swedish tax is mostly municipal: the 2026 average is 32.38%. State tax of 20% starts above SEK 643,000 of taxable earned income, brytpunkt SEK 660,400.

• Portugal tax calculator: the nine IRS bands in force for 2026, the two-part rule that makes a Portuguese tax calculation unlike any other, and what the withholding tables do

  Portuguese IRS has nine bands from 12.50% to 48% and a two-part rule: €30,000 of taxable income pays €6,260.06, an effective 20.87%.

• Belgium tax calculator: the five federal rates, the regional and communal layers on top, and why the official rate pages would not answer this site's read

  Belgian income tax runs 25% to 50% over five brackets, with a household zero-rate band and two surcharges. Social security comes off the gross first.

• Self employed salary calculator: why a sole trader has no salary, what profit actually keeps after Income Tax and Class 4, and how it compares with the same figure employed

  A sole trader on £30,000 of profit keeps £25,468.20 after £3,486.00 of Income Tax and £1,045.80 of Class 4 NI: £348.60 more than the same figure employed.