UK take-home pay calculator
See what is left of your pay after income tax, National Insurance, pension and student loan. Figures are for the 2026/27 tax year.
Your take-home pay
Enter your pay to see your take-home pay.
| Item | Amount | Share of gross pay |
|---|
How your take-home pay is worked out
Four things can come out of your gross pay before it reaches your bank account. This calculator works out each one for the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027.
Income tax
You pay income tax on pay above your personal allowance, which is £12,570. In England, Wales and Northern Ireland the next £37,700 is taxed at 20%, pay up to £125,140 at 40%, and anything above that at 45%. Scotland has its own six bands, shown in the tables below.
Once your income passes £100,000, the personal allowance shrinks by £1 for every £2 over that line, and it is gone completely at £125,140. That is why the tax on each extra pound is so steep between those two figures.
National Insurance
Employees pay National Insurance of 8% on earnings between £12,570 and £50,270, and 2% on anything above £50,270. The rates are the same across the UK. You stop paying it when you reach State Pension age.
Student loan
Repayments are 9% of the pay above your plan's threshold, taken through payroll. The 2026/27 thresholds are £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. A postgraduate loan adds 6% of pay above £21,000, on top of any other plan.
Pension
Workplace pensions are usually taken in one of two ways. With contributions taken before tax (often called a net pay arrangement), your contribution comes off before income tax, but National Insurance is still worked out on your full pay. With salary sacrifice, your employer reduces your salary and pays the difference into your pension, so you save both income tax and National Insurance.
Some schemes use relief at source instead: you pay in from pay that has already been taxed and the pension provider adds the basic-rate tax relief. This calculator does not model that method, so the result will be slightly off if your scheme works that way.
Income tax bands for 2026/27
| Band | Income | 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 | Over £125,140 | 45% |
| Band | Income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| 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 | Over £125,140 | 48% |
Take-home pay at common salaries
| Salary | Income tax | National Insurance | Take-home a year | Take-home a month |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £45,000 | £6,486 | £2,594 | £35,920 | £2,993 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £70,000 | £15,432 | £3,411 | £51,157 | £4,263 |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
| £125,000 | £42,432 | £4,511 | £78,057 | £6,505 |
What this calculator assumes
- You are an employee on the standard tax code (1257L), with one job and no other taxable income.
- You are under State Pension age, so you pay National Insurance.
- Your pay is the same all year, with no bonuses, overtime or benefits such as a company car.
- If you choose Scotland, you are a Scottish taxpayer for the whole year.
- Student loan repayments are worked out on annual pay. Payroll uses weekly or monthly thresholds, so a single month can differ a little.
Questions people ask
Why is my payslip different from this calculator?
The usual reasons are a different tax code, taxable benefits, a pension scheme that works differently from the options here, bonuses or overtime in some months, and payroll working out tax cumulatively through the year. Your payslip is the official figure. Use this calculator as a close estimate.
Which student loan plan am I on?
It depends on where and when you started your course. Plan 1 covers students who started before 1 September 2012 in England or Wales, and Northern Irish students. Plan 2 covers those who started in England or Wales between 1 September 2012 and 31 July 2023. Plan 4 is for Scottish students, and Plan 5 is for students who started in England from 1 August 2023.
Your loan statement or Student Loans Company account shows your plan. GOV.UK also has a page on which repayment plan you are on.
How is hourly pay turned into a yearly salary?
The calculator multiplies your hourly rate by the hours you work each week, then by 52 weeks. A monthly amount is multiplied by 12 and a weekly amount by 52.
Does it work for Scottish taxpayers?
Yes. Choose Scotland and the calculator uses the six Scottish income tax bands. National Insurance and student loan rules are the same as the rest of the UK.
Is what I type stored or shared?
No. The calculation runs in your browser and nothing you enter is sent to us. Our privacy page has the details.
Is this tax or financial advice?
No. It gives an estimate for information only. For advice on your own situation, speak to your payroll team, HMRC or a qualified adviser.
When are the figures updated?
The figures are for the 2026/27 tax year. The new tax year starts on 6 April each year, and we update the calculator to match.
Where the numbers come from
All rates and thresholds come from official sources: