UK Take-Home Pay Calculator

Enter your gross salary and see what actually lands in your bank account after Income Tax, National Insurance, student loan and pension. Built on the published 2026/27 rates, with every figure sourced below.

1. Your salary and circumstances

Gross salary (£ per year) Before any deductions. Use your annual figure.

Where do you pay tax? Scotland sets its own Income Tax bands.

Workplace pension (% of gross) Leave blank for 0%. Assumes a net-pay (salary sacrifice equivalent) scheme.

Student loan plan

Postgraduate loan Charged on top of any Plan 1/2/4/5 loan.

Take-home pay by salary

England, Wales & Northern Ireland, no pension contribution, no student loan. Change the inputs above for your own figures.

Gross salary	Income Tax	National Insurance	Take-home (year)	Take-home (month)

How this is calculated, and what it is based on

Income Tax — England, Wales & Northern Ireland (2026/27)

Personal Allowance £12,570. Basic rate 20% on the next £37,700, higher rate 40% from £37,701 to £125,140 of taxable income, additional rate 45% above £125,140.
The Personal Allowance is reduced by £1 for every £2 of income above £100,000, so it disappears at £125,140. This calculator applies that taper.

Income Tax — Scotland (2026/27)

Scotland sets its own bands and rates for non-savings income. This calculator applies the Scottish bands shown in the source below. The Personal Allowance is the same UK-wide figure and the same £100,000 taper applies.

National Insurance (Class 1, category A)

8% on earnings between the Primary Threshold (£12,570 a year) and the Upper Earnings Limit (£50,270 a year).
2% on everything above the Upper Earnings Limit.
National Insurance is charged on earnings after a net-pay pension deduction is not applied — NI is calculated on gross pay unless you use salary sacrifice. This calculator charges NI on gross pay, which is the more common arrangement.

Student loans (2026/27 thresholds)

Plan 1 — 9% above £26,900. Plan 2 — 9% above £29,385. Plan 4 — 9% above £33,795. Plan 5 — 9% above £25,000.
Postgraduate loan — 6% above £21,000, charged in addition to any of the above.

What this does not cover. This is an annual estimate for a single employment with a standard tax code and no other income. It does not model emergency or non-standard tax codes, the Marriage Allowance, Blind Person's Allowance, benefits in kind (P11D), the High Income Child Benefit Charge, salary sacrifice, or the way PAYE spreads tax across the year — your monthly payslip will differ and is reconciled over the tax year. Your employer's National Insurance is not a deduction from your pay and is not shown.

Sources and date checked. Rates and thresholds taken from GOV.UK, Rates and thresholds for employers 2026 to 2027. Checked 30 August 2026. The 2026/27 tax year runs from 6 April 2026 to 5 April 2027. If you spot a figure that has moved, email zkqm01@gmail.com and we will correct it and update the date.