Salary Calculator UK – Calculate Your Take-Home Pay
Salary Calculator UK 2026/27
Calculate your estimated take-home pay after Income Tax and National Insurance. Enter your salary to see annual, monthly and weekly net pay, with options for pensions, student loans and Scottish Income Tax.
- ✓ Income Tax
- ✓ National Insurance
- ✓ Pension Contributions
- ✓ Student Loans
- ✓ Scottish Tax
- ✓ Employer Cost
Take-home pay is the amount left from your gross salary after deductions such as PAYE Income Tax, employee National Insurance, pension contributions and, where applicable, student loan repayments.
Calculate Your Take-Home Pay After Tax
Use our UK salary calculator to estimate how much of your gross salary you could take home after Income Tax, employee National Insurance, pension contributions and student loan repayments. You can view your estimated net salary annually, monthly and weekly.
The calculator uses the 2026/27 UK tax year and supports England, Wales, Northern Ireland and the separate Scottish Income Tax bands. It can also estimate your employer's National Insurance and total employment cost.
Salary Calculator UK
Enter your salary to estimate your take-home pay, PAYE tax and National Insurance.
Your salary breakdown
| Calculation | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross salary | — | — | — |
| Pension sacrifice | — | — | — |
| Income Tax | — | — | — |
| Employee National Insurance | — | — | — |
| Student loan | — | — | — |
| Estimated take-home pay | — | — | — |
This calculator provides an estimate rather than a payroll calculation. Actual PAYE deductions can differ because of payroll periods, benefits, tax-code adjustments, pension arrangements, bonuses, previous earnings and other individual circumstances.
How Does the Salary Calculator Work?
Your take-home salary is the amount left after deductions from your gross pay. For most UK employees, the main deductions are PAYE Income Tax and employee National Insurance.
Enter your salary
Enter annual, monthly, weekly or hourly gross pay. If you enter an hourly rate, the calculator converts it using your weekly hours.
Add your deductions
Select your tax region, tax code, pension contribution and any student loan repayments that apply.
See your take-home pay
The calculator estimates Income Tax, National Insurance and other deductions before showing annual, monthly and weekly net pay.
What Is Take-Home Pay?
Take-home pay, also called net pay or salary after tax, is the amount of your salary that remains after deductions such as Income Tax, National Insurance, workplace pension contributions and student loan repayments.
Your gross salary is your salary before these deductions. This is normally the salary quoted in an employment contract or job offer.
Gross salary − Income Tax − National Insurance − pension contributions − student loan repayments = estimated take-home pay.
Income Tax Rates 2026/27
For the 2026/27 tax year, the standard Personal Allowance is £12,570. For employees in England, Wales and Northern Ireland, employment income above the allowance is generally taxed using the following bands.
| Band | Income | Tax rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Scottish Salary Calculator 2026/27
Scotland has separate Income Tax rates for employment income. If you are a Scottish taxpayer, select Scotland in the calculator so that the Scottish rates are used.
| Scottish band | Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 – £16,537 | 19% |
| Basic rate | £16,538 – £29,526 | 20% |
| Intermediate rate | £29,527 – £43,662 | 21% |
| Higher rate | £43,663 – £75,000 | 42% |
| Advanced rate | £75,001 – £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
National Insurance Rates 2026/27
Most employees pay Class 1 National Insurance. For 2026/27, the main employee rate is 8% on earnings between the Primary Threshold and Upper Earnings Limit, with 2% generally applying above the Upper Earnings Limit.
| Annual earnings | Employee NI rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 – £50,270 | 8% |
| Over £50,270 | 2% |
National Insurance is calculated separately from Income Tax, which is why your overall deduction rate is not simply the Income Tax percentage shown for your tax band.
How Much Does Your Salary Cost Your Employer?
Your salary is not necessarily your employer's full employment cost. Employers normally pay employer Class 1 National Insurance in addition to your gross salary.
For 2026/27, the standard employer National Insurance rate is 15% on earnings above the applicable £5,000 annual Secondary Threshold.
Salary Sacrifice and Pension Contributions
Some employers allow employees to exchange part of their salary for an employer pension contribution through salary sacrifice. Where a valid salary-sacrifice arrangement applies, the sacrificed salary will normally reduce the pay on which Income Tax and National Insurance are calculated.
Pension arrangements vary considerably. Contributions made under net pay, relief-at-source and salary-sacrifice arrangements do not necessarily produce identical payslip results. The pension option in this calculator assumes salary sacrifice.
Student Loan Repayments 2026/27
Student loan repayments depend on your repayment plan and earnings. For Plans 1, 2, 4 and 5, repayments are generally 9% of earnings above the relevant threshold. Postgraduate Loan repayments are generally 6% above their threshold.
| Loan plan | 2026/27 annual threshold | Rate above threshold |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate Loan | £21,000 | 6% |
Salary After Tax Examples
You can use the calculator above to compare different salaries and see how changes in gross pay affect your estimated net income. Popular salary searches include:
Your actual take-home pay at each salary depends on factors including your tax code, where you live, pension arrangements and student loans, so using the calculator provides a more useful estimate than relying on a headline salary figure alone.
What Does My Tax Code Mean?
Your PAYE tax code helps your employer determine how much Income Tax should be deducted from your salary. The standard tax code for many employees with the normal Personal Allowance is 1257L.
| Tax code | Typical meaning |
|---|---|
| 1257L | Standard Personal Allowance for many employees |
| BR | Income taxed at the basic rate |
| D0 | Income taxed at the higher rate |
| D1 | Income taxed at the additional rate |
| 0T | No Personal Allowance |
| NT | No Income Tax deducted |
Scottish tax codes normally begin with S, while Welsh tax codes normally begin with C. Your individual tax code can differ from the standard code because HMRC may adjust it for benefits, earlier underpayments or other circumstances.
Frequently Asked Questions
How much salary will I take home after tax?
What is the difference between gross salary and net salary?
What is the Personal Allowance for 2026/27?
How much National Insurance do employees pay in 2026/27?
Is Income Tax different in Scotland?
Does the salary calculator include student loans?
Does the calculator include pension contributions?
Why might my payslip differ from the calculator?
UK Tax Calculations From Qualified Accountants
This salary calculator is provided by The Online Accountants, ACCA qualified accountants providing accounts, tax and payroll support to businesses and individuals throughout the UK.
The calculator has been updated for the 2026/27 tax year using current UK Income Tax, National Insurance and student loan rates and thresholds. It is intended as a practical estimate and should not be treated as personalised tax advice.
Need Help With PAYE or Your Tax Position?
Tax becomes more complicated when you have several sources of income, benefits, dividends, director remuneration or Self Assessment obligations. Our UK accountants can help you understand your position.
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