UK Take Home Pay Calculator 2026 — Free Salary Calculator


Live · April 2026
NLW updated  ·  HMRC verified  ·  Free  ·  No sign-up

UK Take Home Pay
Calculator 2026

Find out exactly what lands in your bank account after income tax, National Insurance, student loan and pension — updated for the new April 2026 National Living Wage and frozen thresholds.

🏴󠁧󠁢󠁳󠁣󠁴󠁿 Scotland mode
🎓 All 5 loan plans
💰 Pension & sacrifice
📱 Mobile friendly
🔒 Private






Annual take-home pay

How to use

Four steps to your real pay

1

Basic Info

Enter your annual gross salary — the number on your contract before any deductions. Choose your student loan plan, tax region (Scotland has separate bands), and whether you are under State Pension age.

2

Income (optional)

Add any bonus, overtime, taxable benefits or other income. These are added to your gross and taxed accordingly — a large bonus can push you into a higher band in the month it is paid.

3

Deductions (optional)

Enter your pension percentage and any salary sacrifice amount. Both reduce your taxable income before tax and NI are applied — saving on both simultaneously, which makes them more valuable than they first appear.

4

Calculate

Hit the button. Your full breakdown appears instantly — annual, monthly and weekly net pay, every deduction listed, and your effective tax rate in plain English.

Features

Why use this calculator

🔄

Always current

Updated every April and mid-year if HMRC announces changes. April 2026 minimum wage rates are already applied.

🏴󠁧󠁢󠁳󠁣󠁴󠁿

Scotland included

All seven Scottish income tax bands for 2026. Most calculators skip this entirely.

🎓

All 5 loan plans

Plans 1, 2, 4, 5 and Postgraduate — with correct 2026 thresholds. Plan 5 deductions start this April.

💰

Pension-aware

See exactly how salary sacrifice changes your real take-home — not just your gross. Instantly.

🔒

100% private

No account, no email, no tracking. Your numbers never leave your screen.

📱

Mobile-first

Built for phones. Check a job offer on the go without pinching and zooming.

Real-world uses

When people reach for this tool

🏠

Applying for a mortgage

Lenders use your net income, not gross. Find your monthly take-home before approaching any bank. Student loan deductions also reduce disposable income and directly affect affordability calculations.

💼

Evaluating a job offer

A £5,000 pay rise after 40% tax and NI can add as little as £230–280/month. Run both figures through the calculator first — the difference is often smaller than the headline number suggests.

🎓

First job after university

Your first payslip can be a shock. Income tax, NI and student loan can take a sizeable chunk. Use this to budget confidently from day one — especially if Plan 5 deductions start this April.

🏦

Optimising pension contributions

An extra 3% into a pension often costs far less than expected. For higher-rate taxpayers, £200/month into a pension can cost as little as £90 in actual take-home pay.

📅

Annual budget planning

With thresholds frozen and wages rising, many workers quietly pay more tax each year without realising it. Run your salary every April — even if your gross hasn’t moved.

🤝

Contractor vs employee

Find the true net value of a permanent salary first, then compare it to a day-rate equivalent — factoring in your own NI, pension and unpaid leave costs.

Tax reference 2026

UK tax rates & allowances

Income tax bands — England, Wales & N. Ireland

Income Tax 2026
Taxable incomeRateBand
Up to £12,5700%Personal Allowance Frozen to 2028
£12,571 – £50,27020%Basic rate Frozen
£50,271 – £125,14040%Higher rate
Over £125,14045%Additional rate
Fiscal drag: The personal allowance and basic rate threshold have been frozen since 2022 and stay frozen until at least 2028. As wages rise, more workers are pulled into higher bands with no official rate change — the OBR estimates this will push 4.8 million more people into the higher rate by 2030/31.

National Insurance

Employee NI 2026
EarningsEmployee NINotes
Up to £12,5700%Below primary threshold
£12,571 – £50,2708%Main rate — unchanged
Above £50,2702%Upper earnings limit

Employer NI rose from 13.8% to 15% from April 2026 and the secondary threshold dropped from £9,100 to £5,000. This does not appear on your payslip, but higher employment costs have led many businesses to moderate pay rises.

Updated April 2026

National Minimum Wage 2026

New rates from 1 April 2026. The National Living Wage for workers aged 21+ rises to £12.71/hr — a 4.1% increase worth approximately £900 extra per year for a full-time worker previously on the minimum.
£12.71
per hour
National Living Wage
Age 21+
↑ +4.1% from £12.21

£10.85
per hour
Age 18–20
↑ +8.5% from £10.00

£8.00
per hour
Age 16–17 & Apprentice
↑ +6.0% from £7.55

£13.45
per hour
Real Living Wage
Voluntary · from May 2026
↑ +6.7% from £12.60

Minimum wage rates — 2026
CategoryRate to Mar 2026Rate from Apr 2026ChangeFull-time annual
21+ National Living Wage£12.21£12.71+4.1%~£24,785
Age 18–20£10.00£10.85+8.5%~£21,158
Age 16–17 / Apprentice£7.55£8.00+6.0%~£15,600
London Living Wage (voluntary)£13.85£14.80+6.9%~£28,860

Student loans

Student loan thresholds 2026

Plan 5 — repayments start April 2026 for the first time. If you started university after August 2023, deductions begin this month at 9% of earnings above £25,000. These loans write off after 40 years.
Repayment thresholds 2026
PlanThresholdRateWrite-off
Plan 1 — before Sep 2012£26,0659%25 yrs / age 65
Plan 2 — Sep 2012–Jul 2023£28,4709%30 years
Plan 4 — Scotland£32,7459%30 years
Plan 5 — Aug 2023+ New Apr 2026£25,0009%40 years
Postgraduate£21,0006%30 years

Year on year

What changed for 2026

Key changes at a glance
ItemPrevious rateFrom April 2026Status
Personal allowance£12,570£12,570Frozen ❄
Basic rate threshold£50,270£50,270Frozen ❄
Employee NI rate8% / 2%8% / 2%Unchanged
Employer NI rate13.8%15%↑ Increased
Employer NI threshold£9,100£5,000↓ Lowered
Employment Allowance£5,000£10,500↑ Doubled
National Living Wage (21+)£12.21/hr£12.71/hr+4.1%
NMW age 18–20£10.00/hr£10.85/hr+8.5%
Pension annual allowance£60,000£60,000Unchanged

FAQ

Frequently asked questions

Take-home pay (also called net pay) is the amount deposited in your bank account after income tax, National Insurance, student loan repayments and pension contributions have been deducted from your gross salary. It is the money you actually have available to spend or save each month.

On £30,000 gross with standard tax code 1257L, no student loan and no pension contributions, you would pay approximately £3,486 in income tax and £1,394 in NI — giving take-home pay of around £25,120/year (£2,093/month). Use the calculator above for your exact figure.

At £50,000 gross you would pay approximately £7,486 in income tax and £3,014 in NI, giving take-home pay of around £39,500/year (£3,292/month). Earnings above £50,270 are taxed at the 40% higher rate. Enter your salary above for a personalised result.

At £12.71/hr for 37.5 hours a week, gross annual salary is approximately £24,785. After income tax (~£2,443) and NI (~£977), take-home is roughly £21,365/year (£1,780/month) — assuming no student loan or pension. Enter £24,785 in the calculator above for a personalised figure.

The standard tax code is 1257L — reflecting the £12,570 Personal Allowance (divide by 10, add L). If your code is different, HMRC has adjusted your allowance for some reason. Check your Personal Tax Account on GOV.UK to find out why.

No — this is a persistent myth. You only pay the higher rate on earnings above the threshold, not your entire salary. Every extra pound you earn above a threshold always results in more take-home pay. Crossing £50,270 means only the income above that is taxed at 40%.

If you started university from August 2023 onwards on a Plan 5 loan, repayments begin from April 2026 — the first time any Plan 5 graduates become liable. The threshold is £25,000 and the deduction is 9% on earnings above this. Plan 5 loans are written off after 40 years.

Yes. Salary sacrifice is the most tax-efficient pension arrangement for most PAYE workers because contributions are deducted before tax and NI are calculated, saving on both simultaneously. For a basic-rate taxpayer putting in £100/month via sacrifice, the actual cost to take-home pay is typically only around £68 — the government effectively subsidises the rest through tax and NI relief.

Fiscal drag occurs when frozen tax thresholds combined with rising wages push workers into higher tax bands without any official rate rise. With the personal allowance and basic rate threshold frozen since 2022 until at least 2028, anyone whose pay has grown in that period is paying more tax in real terms. The OBR estimates this will push 4.8 million more people into the higher rate by 2030/31.

No. The Personal Allowance remains frozen at £12,570 until at least April 2028. There are no announced plans to increase it before then.

This calculator is designed for PAYE employees. Self-employed individuals pay income tax and Class 4 NI through Self Assessment — Class 4 NI is 6% on profits between £12,570 and £50,270, and 2% above that. A dedicated self-employed calculator will give you a more accurate result.

Estimates only. Based on HMRC rates for the 2026 tax year assuming tax code 1257L. Your actual take-home may differ depending on your tax code, multiple employments, benefits in kind, or other circumstances. For personalised advice consult a qualified accountant or visit gov.uk/income-tax.