UK Take-Home Pay Calculator
Take-home pay a year, a month and a week in the UK for tax year 2026/27: Income Tax (with the Scottish bands), employee National Insurance, student loans and your pension.
Result…
How it's calculated
Personal allowance = 12,570 − (pay − 100,000) ÷ 2 above 100,000 (zero from 125,140) Income Tax = Σ (taxable income in each band × its rate) National Insurance = 8% × (pay − 12,570, up to 50,270) + 2% × (pay − 50,270) Student loan = 9% × (pay − plan threshold); postgraduate loan = 6% × (pay − 21,000) Take-home = salary − Income Tax − National Insurance − loans − your pension
Works out UK take-home pay for tax year 2026/27 (6 April 2026 to 5 April 2027) from a yearly salary, with the figures from HMRC's rates and thresholds for employers 2026 to 2027 page on GOV.UK. Income Tax uses the 12,570 personal allowance, which falls by 1 for every 2 of income over 100,000, and either the England, Wales and Northern Ireland bands (20%, 40%, 45%) or the six Scottish bands (19% to 48%). You can enter your own tax code instead: number codes like 1257L or 1100L, 0T, BR, D0, D1, NT and the Scottish S codes. Employee National Insurance is 8% between 12,570 and 50,270 and 2% above. Student loans are 9% above the Plan 1, 2, 4 or 5 threshold and the postgraduate loan 6% above 21,000. Pension contributions can be salary sacrifice (less tax and National Insurance), net pay (less tax) or relief at source (paid after tax, with 20% added by the provider).
Your numbers, step by step
About the UK Take-Home Pay calculator
This UK take-home pay calculator shows what is left of a salary after Income Tax, employee National Insurance, student loan repayments and your pension, for tax year 2026/27 (6 April 2026 to 5 April 2027). It gives the answer a year, a month and a week. It uses the rates and thresholds HMRC publishes for employers: the 12,570 personal allowance and its taper above 100,000, the England, Wales and Northern Ireland bands or the six Scottish bands, Class 1 National Insurance, and the thresholds for student loan Plans 1, 2, 4 and 5 and the postgraduate loan. You can enter your own tax code, such as 1100L, BR or S1257L. Every step of the working is shown with your numbers, so you can check it against a payslip. These are UK rules only; other countries tax pay differently, so for elsewhere use the general income tax calculator.
How to use it
- Enter your “Gross salary a year” before any deductions.
- Choose “Where you live”: Scotland has its own Income Tax bands; England, Wales and Northern Ireland share one set.
- Leave “Tax code” on Standard, or pick “Enter my code” and type the code from your payslip.
- Enter your “Pension contribution” as a percentage and choose “How the pension is paid”: salary sacrifice, net pay or relief at source.
- Pick your “Student loan” plan and whether you have a “Postgraduate loan”, then read the yearly, monthly and weekly take-home pay.
Worked example
A salary of 40,000 in England with a 5% net pay pension and a Plan 2 student loan: the pension takes 2,000 before tax, so taxable pay is 38,000 and Income Tax is 20% × (38,000 − 12,570) = 5,086. National Insurance is 8% × (40,000 − 12,570) = 2,194.40, and Plan 2 is 9% × (40,000 − 29,385) = 955.35. Take-home pay is 40,000 − 5,086 − 2,194.40 − 955.35 − 2,000 = 29,764.25 a year, 2,480.35 a month or 572.39 a week.
Updated
Questions people ask
How do I work out my take-home pay in the UK?
Take your gross salary, subtract Income Tax on the part above your personal allowance, employee National Insurance on pay above 12,570, any student loan repayments and your own pension contribution. The calculator does each step and shows the working.
What happens to the personal allowance above 100,000?
It falls by 1 for every 2 of adjusted net income over 100,000, so it is gone by 125,140. That is why income between those two figures is taxed at an effective 60% in England, Wales and Northern Ireland.
Is salary sacrifice better than a net pay pension?
Both take the contribution off before Income Tax. Salary sacrifice also lowers the pay that National Insurance and student loans are worked out on, so your take-home pay is a little higher for the same contribution.
Why is my payslip slightly different from this?
Payroll works out tax and National Insurance one pay period at a time and rounds each one, while this calculator works over a whole year. Bonuses, benefits in kind, changes in pay or an emergency tax code also make a payslip differ.
Where do the 2026/27 figures come from?
From HMRC's rates and thresholds for employers 2026 to 2027 and the Income Tax in Scotland page on GOV.UK. They apply until 5 April 2027.
What doesn't this calculator cover?
K codes, benefits in kind, other income, Marriage Allowance (unless it is in your code), and the extra pension relief higher-rate taxpayers claim through Self Assessment. For your own tax position, check your personal tax account with HMRC or ask an accountant.