UK Salary & Take-Home Pay Calculator
Work out exactly what you'll take home each month after income tax, National Insurance, pension and student loan deductions. Built for the 2026/27 UK tax year.
Your salary
£
£
£
£
Tax & region
Pension
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%
Your take-home pay
2026/27Yearly
Monthly
Weekly
Gross income
Income tax
National Insurance
Student loan
Pension (you)
Take home
Effective tax + NI rate: · Personal allowance used:
Where your salary goes
Income tax bands hit
National Insurance
Monthly breakdown
| Item | Yearly | Monthly | Weekly |
|---|---|---|---|
| Gross pay | |||
| Income tax | |||
| National Insurance | |||
| Student loan | |||
| Your pension | |||
| Take-home |
Plus your employer pays in to your pension – not part of your take-home but boosts your retirement pot.
"What if?" — pay rise sensitivity
See how a salary change affects your monthly take-home.
-20%+50%
New gross
New monthly net
Difference / mo
How this calculator works
For 2026/27, your take-home pay is calculated by deducting income tax, National Insurance and any student loan and pension contributions from your gross salary.
- Personal allowance — £12,570 of income is tax-free. This tapers by £1 for every £2 earned over £100,000, fully gone at £125,140.
- Income tax (rUK) — 20% basic rate, 40% higher rate above £50,270, 45% additional rate above £125,140.
- Income tax (Scotland) — six bands from 19% to 48%, set by the Scottish Government.
- National Insurance Class 1 — 8% between £12,570 and £50,270, then 2% above.
- Student loans — 9% above your plan threshold (6% for Postgrad above £21,000). To save, many people use a for emergency funds.
- Pension type — salary sacrifice can cut both your income tax and NI bill. A lets you top up pension contributions outside your employer's scheme.
Sources: gov.uk/income-tax-rates, National Insurance rates, student loan thresholds.