UK Salary Calculator: take home pay after tax
Enter your salary to see what you take home each year, month or week after income tax and National Insurance in 2026/27. You can add a pension, a student loan (all five plans), your tax code and Scottish tax rates.
Added to your pay for the year. In the month a bonus is paid, PAYE can take more than this. Try the bonus calculator or overtime calculator. A pension percentage comes from your salary only, unless you tick the box below.
Enter what you pay in the pension box. It comes out of your take home pay and your provider adds basic rate tax relief on top.
All UK Tax Calculators
Free tools for every salary and tax question. Always up to date for 2026/27.
How the UK Salary Calculator Works
Our calculator applies the HMRC rates for 2026/27. You enter your gross salary (your pay before anything is taken off) and the tool deducts income tax, National Insurance, any pension contributions and student loan repayments. What is left is your take home pay: the money that lands in your bank account. You can change any figure and recalculate as often as you like.
The personal allowance for 2026/27 is £12,570. Above that threshold income tax applies at 20%, 40% or 45% depending on how much you earn. National Insurance runs on a separate set of thresholds alongside income tax, which is why the headline rates do not fully describe what you actually pay.
Income Tax Rates 2026/27 (England, Wales and Northern Ireland)
| Band | Salary | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Above £125,140 | 45% |
The personal allowance tapers by £1 for every £2 of income above £100,000. At £125,140 the full allowance is lost and an effective marginal rate of 60% applies in the taper zone.
Scottish Income Tax Rates 2026/27
| Band | Salary | Rate |
|---|---|---|
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Above £125,140 | 48% |
National Insurance Rates 2026/27
| Type | Earnings | Rate |
|---|---|---|
| Employee (Class 1) | Up to £12,570 | 0% |
| Employee (Class 1) | £12,571 to £50,270 | 8% |
| Employee (Class 1) | Above £50,270 | 2% |
| Employer (Class 1) | Above £5,000 | 15% |
Pensions and Salary Sacrifice
Pension contributions reduce your take home pay but they also reduce the tax you pay. With salary sacrifice your employer reduces your contractual salary by the contribution amount before calculating tax and National Insurance. This means you save both income tax and NI on contributions. A standard workplace pension (net pay arrangement) also comes out before income tax, but not before NI, so salary sacrifice saves you the NI as well. The calculator above treats your pension as a net pay arrangement unless you tick salary sacrifice, or tick relief at source under More options for a personal pension.
Our pension calculator compares both methods side by side so you can see the exact difference for your salary level.
What Does Your Employer Actually Pay?
Your gross salary is not the full cost to your employer. Employer National Insurance adds 15% on earnings above £5,000 per year. On a £30,000 salary that is £3,750 per year on top of your salary, making the total employment cost around £33,750. Our National Insurance calculator shows this breakdown in full, including employer costs.
Related calculators
See your tax band by band with the income tax calculator, or find out what the letters and numbers on your payslip mean with the tax code checker. Compare salary sacrifice with other pension types using the pension calculator. Working part time? The pro-rata salary calculator scales a full-time salary to your hours. All the 2026/27 rates are on one page in UK tax rates.
How this is worked out
We turn your pay into a yearly figure and add any bonus and overtime. We take off other salary sacrifice and any pension paid before tax, then apply the personal allowance (or your tax code) and the income tax bands for the tax year you choose. National Insurance and student loan are worked out on your yearly pay, then everything is divided back into months, 4-week periods, weeks or days. The chart repeats the same sum for pay from £10,000 to £150,000. The net to gross tab runs the same sum backwards until it finds the salary that gives your target take home pay.
What this calculator assumes
- The 2026/27 tax year unless you choose 2025/26 on the Gross to Net tab (the other tabs use 2026/27), with England, Wales and Northern Ireland rates unless you tick Scotland. 2025/26 uses that year's Scottish bands, student loan thresholds and Blind Person's Allowance. Plan 5 is not in HMRC's 2025/26 rates.
- Tax code 1257L unless you enter your own under More options on the Gross to Net tab. With 1257L the personal allowance shrinks above £100,000 of pay after pension; other codes use the amount in the code as it is. Emergency codes (W1, M1, X) are shown as a full year on the same pay. No other income and no benefits in kind.
- Pension is a percentage of your salary or a fixed amount a month. A workplace pension is taken before income tax (net pay arrangement). With salary sacrifice it also comes off before National Insurance, student loan and employer NI. With relief at source (a personal pension) you pay from your take home pay and your provider adds basic rate relief, so you pay 80% of what goes in. If you pay tax above the basic rate, we estimate the extra relief you may be able to claim by widening your basic rate band (and the bands above it) by the gross amount and taking it off your adjusted net income.
- Bonus and overtime are added to your pay for the year and other salary sacrifice (such as cycle to work) comes off before tax and NI. Tax and NI are spread evenly, so a real payslip can differ in a month with a bonus or a tax code change. Taxable benefits from car schemes are not included.
- One student loan plan, plus a Postgraduate Loan if you tick it (6% of pay above £21,000). If you are over State Pension age, no employee National Insurance is taken, but your employer still pays employer NI (15% above £5,000 a year). The marginal rate is the extra income tax, NI and student loan taken from another £100 of pay.
- A year is 12 months, 13 four-week periods, 52 weeks or 260 working days. Hourly pay assumes 37.5 hours a week unless you change it on the hourly tab.
- Employer pension contributions are not shown, and results are rounded to the nearest pound.
Sources
- Income Tax rates and Personal Allowances (GOV.UK)
- Scottish Income Tax (GOV.UK)
- National Insurance: how much you pay (GOV.UK)
- Repaying your student loan: what you pay (GOV.UK)
- Blind Person's Allowance (GOV.UK)
- What your tax code means (GOV.UK)
- National Insurance and tax after State Pension age (GOV.UK)
- Rates and thresholds for employers 2025 to 2026 (GOV.UK)
- Tax on your private pension: pension tax relief (GOV.UK)
- Adjusted net income (GOV.UK)
- Salary sacrifice and the effects on PAYE (GOV.UK)
Rates checked against GOV.UK on 12 October 2026. Read how we calculate or tell us about a mistake.