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UK Take-Home Pay Calculator 2026/27 — Salary After Tax

Enter your pay as an annual salary, monthly, weekly or hourly amount and see exactly what lands in your bank account in 2026/27. The calculator applies Income Tax for England, Wales, Northern Ireland or Scotland, employee National Insurance, student loan repayments, workplace pension contributions, salary sacrifice and your tax code.

How to use the UK Take-Home Pay Calculator

  1. Type your pay before tax and choose whether it is per year, month, week or hour.
  2. Pick the tax year and where you live and work. Scotland uses its own Income Tax bands.
  3. Add your tax code, pension contributions, salary sacrifice or student loan plan if they apply to you.
  4. Read your take-home pay per year, month, week and day, plus a full breakdown of every deduction.

How take-home pay is worked out

Your take-home pay is your gross salary minus everything your employer deducts through payroll. First comes Income Tax on pay above your personal allowance (£12,570 for most people in 2026/27). Next is employee National Insurance, which is charged on earnings above £12,570 a year at 8%, falling to 2% above £50,270.

Then come any pension contributions and, if you have one, student loan or postgraduate loan repayments. What is left is the money that reaches your bank account. This calculator shows every step so you can see where each pound goes.

Scotland, Wales and Northern Ireland

Income Tax is a devolved matter in Scotland, which has six bands (starter, basic, intermediate, higher, advanced and top rate) instead of three. Wales and Northern Ireland use the same Income Tax rates and bands as England. National Insurance is the same in every part of the UK.

Choose where you live and work and the calculator switches bands automatically — useful for comparing a job offer in Edinburgh with one in Newcastle.

Pension contributions and salary sacrifice

There are three common ways pension contributions are taken. With net pay, the contribution comes off your pay before Income Tax, so you get relief straight away but still pay National Insurance on the full amount. With relief at source, you pay from your take-home pay and the pension provider adds 20%; higher-rate taxpayers claim the rest back from HMRC. With salary sacrifice, your contractual pay is reduced, so you save both tax and National Insurance.

Choose the option your employer uses and the calculator adjusts your Income Tax, National Insurance and take-home pay to match.

Assumptions & important information

  • Rates and thresholds shown are for the 2026/27 tax year and were last checked against GOV.UK on 2 November 2026.
  • Calculations are on an annual basis and assume the same pay for the whole tax year; monthly, weekly and daily figures are the annual result divided by 12, 52 and 260.
  • Hourly pay is converted using your weekly hours over 52 weeks, with no unpaid leave or overtime.
  • Pension contributions are entered as the amount going into the pot from you, as a share of your whole salary rather than qualifying earnings only. Employer contributions are not part of your take-home pay.
  • Student loan repayments are 9% of pay above the plan threshold (6% for a postgraduate loan above its own threshold). Taxable benefits, bonuses, other income and Blind Person’s or Marriage Allowance are not included.
  • This calculator gives estimates for information only. It is not financial, tax or legal advice — check important decisions with HMRC, your employer or a regulated adviser.

Ideas & examples

  • £30,000 salary in England: Take-home pay is about £25,120 a year (£2,093.30 a month) after £3,486 Income Tax and £1,394 National Insurance.
  • £50,000: England vs Scotland: In England you keep £39,520 a year. In Scotland the same salary leaves £38,024 — £1,496 less — because of the higher Scottish rates.
  • £60,000 with a Plan 2 student loan and £3,000 salary sacrifice: Sacrificing £3,000 into a pension cuts take-home pay by only £1,470 a year, because it also reduces tax, National Insurance and student loan repayments.

Frequently asked questions

What is take-home pay?

Take-home pay (or net pay) is the money you receive after Income Tax, National Insurance, pension contributions, student loan repayments and any other payroll deductions have been taken from your gross salary.

Which tax year does the calculator use?

It defaults to the current 2026/27 tax year, which runs from 6 April 2026 – 5 April 2027. You can switch to another tax year to compare, for example, what a pay rise looked like last year.

Does it work for Scottish taxpayers?

Yes. Choose Scotland under “Where do you live and work?” and the calculator applies the Scottish starter, basic, intermediate, higher, advanced and top rates. Scottish taxpayers pay the same National Insurance as the rest of the UK.

How do I enter my tax code?

Type the code from your payslip, such as 1257L, 1100L, K475, 0T or BR. A numbered code sets your tax-free allowance (the number × 10), and codes such as BR, D0 and D1 tax all your pay at a flat rate. Leave it blank to use the standard personal allowance.

Why is my payslip different from the result?

Payslips can differ because of your exact tax code, taxable benefits, pay dates, bonuses, other deductions or a different pension arrangement. Payroll also works out tax month by month, while this calculator uses your annual figures. Treat the result as a close estimate.

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