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UK Salary Calculator (Take-Home Pay 2026/27)
See your take-home pay after Income Tax, National Insurance, student loan and pension for the 2026/27 tax year, including Scottish rates. Free, no sign-up, and nothing you type is stored on our servers.
How to Work Out Your Take-Home Pay
Enter Your Salary
Type your gross salary before tax, monthly or yearly, plus any yearly bonus.
Choose Your Options
Pick where you pay tax, your student loan plan and your workplace pension %.
See Your Take-Home
Get your net pay, tax by band and employer NI, then download a payslip.
Frequently Asked Questions
What are the UK tax bands for 2026/27?
In England, Wales and Northern Ireland the first £12,570 is your Personal Allowance, then 20% applies to the next £37,700 (to £50,270), 40% up to £125,140 and 45% above. The Personal Allowance shrinks by £1 for every £2 you earn over £100,000. These thresholds are frozen until April 2031.
What are the Scottish income tax rates for 2026/27?
After the £12,570 allowance: 19% starter rate to £16,537, 20% basic to £29,526, 21% intermediate to £43,662, 42% higher to £75,000, 45% advanced to £125,140 and 48% top rate above that.
How much National Insurance will I pay?
Employees pay 8% Class 1 NI on earnings between £12,570 and £50,270 a year, and 2% above that. Your employer pays 15% on earnings above £5,000.
How are student loan repayments worked out?
You repay 9% of income above your plan threshold: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000. Postgraduate loans are 6% above £21,000.
How is my pension treated?
This calculator treats your pension as a workplace "net pay" scheme: it comes off before Income Tax but not before National Insurance. Salary sacrifice also saves NI and relief-at-source schemes work differently, so your payslip may vary.
Is this an official HMRC calculator?
No. This is an estimate, not official tax advice. It uses the HMRC 2026/27 rates on a whole-year basis and assumes tax code 1257L, so check your payslip or HMRC account for your exact figures.