Part-Time Take-Home Calculator 2026/27

Thinking about going part-time or already working reduced hours? This calculator converts your hourly rate and weekly hours into an annual salary, then shows you exactly what you take home after income tax, National Insurance, and any student loan repayments.

How it works

Enter your hourly rate and the number of hours you work per week. The calculator assumes 52 weeks per year to produce your gross annual salary, then applies the standard 2026/27 tax rates to show your net monthly and annual take-home.

The tax advantage of part-time work

The UK tax system is progressive — you only pay higher rates on income above each threshold. This means reducing your hours does not cost you as much as you might think:

• A 20% salary reduction typically results in only a 13–17% reduction in take-home
• The income you give up was taxed at your highest marginal rate
• You may also save on commuting, childcare, and work-related expenses

Compare full-time vs part-time

Use the income tax calculator twice — once with your full-time salary and once with your part-time figure — and compare the monthly take-home amounts. The difference is the true cost of your extra day off. For a detailed analysis, see our 4-day work week guide.