Use this UK take-home pay calculator for 2026/27 to estimate how much salary lands in your bank account after Income Tax, employee National Insurance, workplace pension deductions, salary sacrifice and student loan repayments. It supports England, Wales, Northern Ireland, Scottish income tax bands, Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loan deductions.
UK Take Home Pay Calculator 2026/27
Enter your gross pay, tax region, pension and student loan details. The calculator gives annual, monthly and weekly take-home pay using the current 2026/27 thresholds.
Result summary
Note: This is an estimate for PAYE employees. Payroll may differ because of your tax code, previous income, benefits, bonus timing or workplace pension method.
How this UK take-home pay calculator works
The calculator converts your pay into an annual gross figure, adds any bonus or taxable extras, then estimates the deductions that usually appear on a UK PAYE payslip. It applies the personal allowance, Income Tax, employee Class 1 National Insurance, workplace pension contributions, salary sacrifice and student loan repayments.
It is intended for employees paid through PAYE. It is useful when you are checking a job offer, comparing a pay rise, testing pension salary sacrifice or building a monthly budget. It is not a payroll record and it does not replace HMRC guidance or advice from an accountant.
What the result includes
- Annual, monthly and weekly estimated take-home pay.
- Income Tax for England, Wales and Northern Ireland or Scottish salary bands.
- Employee National Insurance at the 2026/27 main and additional rates.
- Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loan estimates.
- Workplace pension and salary sacrifice effects.
- An effective deduction rate so you can see how much gross pay you keep.
2026/27 tax data used
The calculator uses the 2026/27 UK tax year, running from 6 April 2026 to 5 April 2027. The standard Personal Allowance is £12,570. The allowance is reduced by £1 for every £2 of adjusted net income above £100,000, and is fully removed once income reaches £125,140.
| Item | 2026/27 value used | How it affects take-home pay |
|---|---|---|
| Personal Allowance | £12,570 | Income within the allowance is normally tax-free. |
| Basic rate | 20% on taxable income up to the basic-rate band | Applies in England, Wales and Northern Ireland. |
| Higher rate | 40% after the basic-rate band | Applies before the additional-rate threshold. |
| Additional rate | 45% above £125,140 | Applies after the personal allowance is fully removed. |
| Employee National Insurance | 8% between £12,570 and £50,270, then 2% | Not charged if you are over State Pension age. |
Scottish income tax support
If you choose Scotland, the calculator applies Scottish income tax bands for salary income. National Insurance and student loan deductions remain separate UK-wide calculations, so two employees on the same salary can have different Income Tax deductions while keeping similar NI.
| Scottish band | Band used after allowance | Rate |
|---|---|---|
| Starter | First £3,967 | 19% |
| Basic | Next £12,989 | 20% |
| Intermediate | Next £14,136 | 21% |
| Higher | Next £31,338 | 42% |
| Advanced | Next £50,140 | 45% |
| Top | Above that | 48% |
Student loan thresholds used
Student loan deductions are estimated annually and averaged into the monthly and weekly figures. Actual payroll deductions can vary by pay period, especially when bonuses, commission or overtime are paid in one month.
| Loan type | Annual threshold used | Repayment rate |
|---|---|---|
| Plan 1 | £26,900 | 9% above threshold |
| Plan 2 | £29,385 | 9% above threshold |
| Plan 4 | £33,795 | 9% above threshold |
| Plan 5 | £25,000 | 9% above threshold |
| Postgraduate Loan | £21,000 | 6% above threshold |
When to use this calculator
- Checking a job offer: a higher gross salary does not always translate into the monthly increase you expect after tax, NI and loans.
- Planning a pay rise: compare your current salary with a new salary and look at the monthly difference, not only the annual headline number.
- Changing pension contributions: pension contributions and salary sacrifice can reduce taxable income and change take-home pay.
- Mortgage or rent planning: lenders and landlords often care about reliable monthly net income.
- Moving to or from Scotland: Scottish income tax bands can change the net result even when the gross salary is unchanged.
Worked examples
For a simple employee in England earning £35,000 a year with a 5% workplace pension contribution and no student loan, the calculator first estimates the pension deduction, then applies the personal allowance, basic-rate Income Tax and employee National Insurance. The monthly result is usually the most practical number because rent, mortgage payments and bills are normally monthly.
For a higher earner, the personal allowance taper can matter more than the headline tax band. Above £100,000, adjusted net income reduces the allowance by £1 for every £2. Pension contributions and salary sacrifice can therefore have a noticeable effect for people near that range.
For a graduate with a student loan, the loan threshold is applied separately from Income Tax and NI. Someone with a Plan 2 loan and a Postgraduate Loan can have both deductions at the same time, which is why the calculator separates undergraduate and postgraduate loan fields.
Why your payslip may be different
No public calculator can see your live HMRC tax code, previous pay in the tax year, underpaid tax, taxable benefits, payroll corrections, workplace pension method, court-ordered deductions or exact bonus timing. If the result is materially different from your payslip, check your tax code and year-to-date taxable pay first.
The estimate is strongest for regular PAYE salary planning. It is less precise for irregular commission, company cars, childcare schemes, multiple jobs, directors using salary and dividends, or anyone who joined part-way through the tax year.
National Minimum Wage note
The calculator is not a legal minimum wage checker, but hourly users can compare annualised pay against the April 2026 National Living Wage. A £12.71 hourly rate at 37.5 hours per week is about £24,784.50 a year before tax. If your pay is close to the legal minimum, check the official GOV.UK minimum wage guidance because age, apprentice status, deductions and working-time rules can change the answer.
Salary calculators by country
Compare take-home pay tools for different countries. Each calculator uses local salary-tax terminology and country-specific assumptions for 2026 estimates.
Frequently asked questions
Is this calculator updated for 2026/27?
Yes. It uses 2026/27 Income Tax, employee National Insurance, Scottish income tax, student loan and minimum wage information checked on 31 July 2026.
Does it work for Scotland?
Yes. Choose Scotland in the tax region field to apply Scottish income tax bands to salary income. National Insurance and student loans are still calculated separately.
Does salary sacrifice reduce National Insurance?
This calculator treats annual salary sacrifice as reducing taxable pay and NI-able pay. Normal workplace pension contributions are treated as reducing taxable pay and take-home pay, while employer contributions are shown separately.
Can I use this for self-employment?
No. This page is for employees paid through PAYE. If you have freelance or side-hustle income, use the UK Side-Hustle Tax Calculator as a separate estimate.
Why does bonus pay look different on a payslip?
Payroll systems apply PAYE to each pay period. A one-off bonus or commission payment can temporarily create a larger deduction than a simple annual average suggests.
Related UK tax calculators
- UK Student Loan Repayment Calculator — estimate Plan 1, 2, 4, 5 and Postgraduate Loan repayments.
- UK Salary Sacrifice Calculator — see how pension salary sacrifice changes tax, NI and take-home pay.
- UK Overtime Pay Calculator — work out how much extra hours may add after deductions.
- UK Side-Hustle Tax Calculator — estimate tax on freelance, resale or second-income earnings.
- UK Dividend Tax Calculator — useful for directors comparing salary and dividends.
- UK IR35 Calculator — compare contractor take-home inside and outside IR35.
Official sources
Data checked on 31 July 2026 from GOV.UK Income Tax rates, GOV.UK National Insurance rates, GOV.UK student loan repayment guidance, Scottish Government income tax rates and GOV.UK minimum wage rates.
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