UK Take-Home Pay Calculator 2026/27
Enter your salary and see income tax, National Insurance, pension and student loan stripped out — with a clear breakdown of where every pound goes.
Your details
2025/26Where your pay goes
per monthEstimates for a standard employee (Class 1 NI), England, Wales & Northern Ireland, 2025/26 thresholds (frozen to 2028). Pension treated as salary sacrifice. Not financial advice. How we calculate →
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Every threshold, band and rate comes straight from HMRC and is updated when the Budget changes them. No stale figures.
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We don't just show a number — we show how we got there, deduction by deduction, so you can check it against your payslip.
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Pay and tax, explained simply.
What is the personal allowance for 2026/27?
The standard personal allowance is £12,570 — the amount you can earn before paying income tax. If you earn over £100,000, it's reduced by £1 for every £2 above £100,000.
How accurate is this calculator?
It uses official HMRC rates and thresholds for 2025/26 (frozen to 2028). It's a close estimate for standard employment; your actual pay may differ slightly due to benefits in kind, bonuses or employer adjustments.
What is the £100k tax trap?
Between £100,000 and £125,140 your personal allowance is withdrawn by £1 for every £2 earned, creating an effective 60% marginal rate. Pension contributions and salary sacrifice can help avoid it.
Does this include employer National Insurance?
No. This shows only employee deductions — the amounts taken from your pay. Employer NI is an additional cost paid by your employer on top of your salary.
What student loan plan am I on?
Plan 1: English/Welsh students who started before Sept 2012, plus NI and older Scottish loans. Plan 2: English/Welsh from Sept 2012. Plan 4: Scottish from April 2021. Plan 5: courses from August 2023. Check your payslip if unsure.
How do pension contributions reduce my tax?
Contributions are taken before income tax (and, in salary-sacrifice schemes, before National Insurance too), so a basic-rate taxpayer effectively gets 20% relief and a higher-rate taxpayer 40%.
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