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UK Salary Calculator (2026/27)

See your estimated take-home pay after Income Tax, National Insurance, pension and student loan. Figures are based on HMRC rates for the 2026/27 tax year (6 April 2026 – 5 April 2027).

This is a general information estimate, not financial or tax advice. Your actual pay may differ depending on your tax code, benefits, and other deductions — check your payslip or contact HMRC for your exact position.

Your details

Before tax and deductions.

Leave blank to use the standard allowance with automatic adjustments. If you enter your real tax code, we use it exactly as HMRC issued it — no automatic adjustments on top.

£0
Take-home per year
£0
Per month
£0
Per week

Want your hourly rate, or only know your hourly wage? Try the Hourly Wage Calculator.

Breakdown

Gross salary£0
Personal Allowance£0
Income Tax£0
National Insurance£0
Pension contribution£0
Student loan repayment£0
Total deductions£0
Take-home pay£0
Effective tax + deduction rate0%

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Quick question

Does this include my student loan? Only if you select a plan above — by default it assumes no student loan. See our full FAQ for more.

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How to use the Take-Home Pay Calculator

  1. Enter your annual gross salary — this is what's on your contract, before any tax or deductions.
  2. Choose England, Wales or NI, or Scotland — Scotland has its own Income Tax bands, so the same salary can give a different result.
  3. If you know your tax code, enter it for the most accurate figure — it's shown on your payslip. If you don't know it, leave it blank and we'll use the standard allowance.
  4. Only know your hourly rate, not your annual salary? Use the Hourly Wage Calculator instead.
  5. Select a student loan plan if you're repaying one, and toggle pension on or off.
  6. Your results update instantly — no "Calculate" button needed. Use Save this calculation to keep it on your Dashboard for next time.

How this is calculated

Your Personal Allowance — the amount you can earn before paying Income Tax — is £12,570 for 2026/27. It reduces by £1 for every £2 you earn above £100,000, and reaches £0 at £125,140. Income Tax is charged at 20% up to £50,270, 40% up to £125,140, and 45% above that (England, Wales and Northern Ireland). National Insurance is charged at 8% between £12,570 and £50,270, and 2% above that. This calculator assumes standard tax codes and does not account for benefits-in-kind, salary sacrifice, or other personal circumstances — unless you enter your own tax code, which we use exactly as issued rather than applying our own automatic adjustments.

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