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UkMoneySheets

Free Google Sheet · No email needed

UK Take-Home Pay & Side-Income Checker 2026/27

Enter your salary, pension, student loan plan and any side-hustle or rental income. The sheet estimates your take-home pay for the 2026/27 tax year, and what you keep from your side income after tax.

Make your free copyPreview the sheet

Making a copy needs a free Google account. The copy goes into your own Google Drive, and nothing you type is shared.

What it tells you

  • Your take-home pay after Income Tax, National Insurance and student loan — yearly and monthly
  • What you keep from a side hustle or rental income after tax
  • Whether the £1,000 trading and property allowances cover your side income
  • Whether you’re likely to need a Self Assessment tax return for 2026/27
  • When Making Tax Digital for Income Tax could start for you
  • Whether the new property income tax rates from April 2027 affect you

How it works

Four tabs. It takes about two minutes.

  1. 1. Start here

    What the checker does, how to use it, and the GOV.UK sources.

  2. 2. Inputs

    Overwrite the sample figures in the yellow cells: where you live (Scottish or UK rates), salary, pension, student loan plan, and any side-hustle or rental income.

  3. 3. Results

    Your take-home pay and your side-income checks, updated as you type.

  4. 4. What next?

    Links to the UkMoneySheets tracker that fits your situation.

What it doesn’t cover

  • Savings interest and dividend income
  • Marriage Allowance and Gift Aid
  • The High Income Child Benefit Charge
  • Losses and benefits in kind
  • More than one job — it assumes your salary is your only job
  • Payslip-by-payslip accuracy — it works on annual figures

Not tax advice

A planning tool that gives estimates, using 2026/27 rates checked against GOV.UK on 8 October 2026. It isn’t tax or financial advice: your payslip, HMRC and your tax return are what count. Check GOV.UK or a qualified adviser before you act.

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UK Landlord Spreadsheet

Track rent, expenses and mortgage interest for your Self Assessment figures.

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