payroll.law
2026 / 27
The exact engine, made visible

Every payslip, worked out in the open.

Enter a wage for the period you actually run — weekly, monthly or yearly — and see the full 2026/27 calculation, line by line: income tax bands, National Insurance thresholds, student loan, pension, net pay and the true cost to the employer. The same engine that runs real payroll, checked against 612 HMRC-verified test vectors. Nothing hidden.

The employee & the pay period

Pay period matches a weekly payroll run
£
Off
Take-home this week
£499.68
£25,983 a year
Total deductions
£100.32
16.7% of gross
Cost to employer
£675.58
£35,130 a year

The working — how every figure is calculated LIVE

612
HMRC-verified test vectors, all green — tax, NI, statutory pay, auto-enrolment, year-end
9
tax-code families: L/M/N, BR, D0, D1, 0T, K, NT + Scottish S-codes
weekly
monthly, 4-weekly, yearly — real per-period thresholds, not an annual guess
gov.uk
rates sourced to "Rates and thresholds for employers 2026 to 2027"

How to read this. Every deduction shows its full working from the 2026/27 rate tables — the free pay for the period, the tax bands the taxable pay falls into, the NI thresholds, the loan and pension bands — so a payroll professional can reconcile it line for line against their own run. Figures use the standard non-cumulative (period) basis for a steady wage.  Scope. Mid-year starters with year-to-date figures, company directors (annual-earnings basis), benefits beyond the tax code, and live RTI submission to HMRC are handled by the full payroll.law application. This is a calculation tool, not tax advice — edge cases go to a qualified accountant.  Why it's different. Most calculators give a number. This one shows the arithmetic and the employer's true cost — because it's the same engine built to run the payroll.