The Clear Sum

Six plain-English calculators for the money questions that usually mean an afternoon of tabs and confusion. Enter your numbers, get a clear answer.

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Take-home pay

Enter a gross salary and see what actually lands in your account each month — income tax, National Insurance and student loan all worked out for you.

Assumed salary sacrifice — comes off before tax and NI.
Take-home pay per month
£0

Uses 2026/27 rates: personal allowance £12,570 (tapered above £100,000 earnings), employee National Insurance at 8% up to £50,270 then 2% above, and current student loan thresholds. Pension contributions are assumed to be taken via salary sacrifice, reducing both tax and NI. This is an estimate for a standard tax code (1257L) — it won't reflect benefits in kind, marriage allowance, or an emergency tax code.

Statutory redundancy pay

Works out the legal minimum you're owed if you're made redundant, based on your age, length of service and pay. Most people qualify after two years with the same employer.

Only full years count. Capped at 20 years by law.
Before tax. Your average over the 12 weeks before notice was given.
Statutory redundancy pay
£0

Weekly pay used in the formula is capped at £751 (2026/27 rate), even if you earn more. This is the legal minimum only — your employer may offer more under a contractual or enhanced scheme. Statutory redundancy pay is tax-free up to £30,000.

Maternity & paternity pay

Estimates your Statutory Maternity Pay (SMP) or Statutory Paternity Pay (SPP) — the legal minimum most employers pay while you're off.

Your average gross pay over roughly the last 2 months.
Estimated total statutory pay
£0

The standard weekly rate is £194.32 (2026/27). Maternity pay is 90% of your average earnings for the first 6 weeks, then the lower of 90% or the standard rate for the rest. Paternity pay is the lower of the two rates for both weeks. Figures are gross, before tax and National Insurance.

Stamp duty (England & NI)

Works out Stamp Duty Land Tax on a property purchase, using the rates in place since April 2025.

Stamp duty owed
£0

First-time buyer relief only applies up to a purchase price of £500,000 — above that, standard rates apply with no relief. Additional properties (second homes, buy-to-lets) carry a 5% surcharge on top of standard rates. This covers England and Northern Ireland only — Scotland and Wales use their own systems (LBTT and LTT).

Pension withdrawal tax

Estimates the income tax due if you take a taxable lump sum from your pension, on top of any other income you have this tax year.

Salary, other pensions, self-employment — before tax. Enter 0 if none.
The slice beyond your 25% tax-free lump sum — not the full pot.
Estimated tax on this withdrawal
£0

Uses 2026/27 England, Wales & Northern Ireland income tax bands: personal allowance £12,570, 20% up to £50,270, 40% up to £125,140, 45% above. The withdrawal is treated as stacking on top of your other income. This is a plain estimate, not financial advice — large withdrawals can also affect your personal allowance and future pension contribution limits, so it's worth checking with a pension provider or adviser before taking money out.

Notice period & holiday entitlement

Works out your statutory minimum notice period and annual holiday entitlement — the legal floor, regardless of what your contract says.

Use a decimal like 2.5 for part-time patterns.
Statutory minimum notice
0 weeks
Statutory minimum holiday
0 days

Notice: 1 week once you've worked a month, plus 1 extra week per complete year of service from 2 years onward, capped at 12 weeks. Holiday: 5.6 weeks a year pro-rated to your working pattern, capped at 28 days even if you work more than 5 days a week. Your contract may offer more than either minimum — it can never offer less.

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