UK Take-Home Pay Calculator (2026/27)
Last updated: May 2026 · Based on official HMRC tax bands
Work out your monthly and annual take-home pay after UK income tax, National Insurance, and pension contributions. 2026/27 rates, plain English. No sign-up.
Your salary
Income tax
£0
National Insurance
£0
Pension contribution
£0
Student loan
£0
Take-home (annual)
£0
Per month
£0
Per week
£0
Annual breakdown
| Gross salary | £0 |
| Pension contribution | £0 |
| Taxable income | £0 |
| Income tax | £0 |
| National Insurance | £0 |
| Student loan repayment | £0 |
| Take-home pay | £0 |
2026/27 UK tax bands (England, Wales, NI)
- Personal Allowance: £12,570 (no income tax below this)
- Basic rate (20%): £12,571 to £50,270
- Higher rate (40%): £50,271 to £125,140
- Additional rate (45%): over £125,140
- Personal Allowance taper: reduced by £1 for every £2 earned over £100,000 (fully gone at £125,140)
National Insurance (employee Class 1)
- 0% below £12,570 per year
- 8% from £12,571 to £50,270
- 2% above £50,270
Sourced from gov.uk/income-tax-rates and gov.uk/national-insurance-rates-letters.
What this calculator does and doesn’t cover
- Includes: 2026/27 income tax bands (rUK and Scotland), employee NI, pension as % of gross, the Personal Allowance taper above £100,000, and student loan repayments (Plans 1, 2, 4, 5, and Postgrad).
- Does not include: non-standard tax codes (K, BR, NT, etc.), salary sacrifice NI savings, benefits in kind, dividend income, or post-tax deductions like season ticket loans.
- Pension assumption: contributions are treated as relief-at-source from gross. If your employer uses salary sacrifice, your real take-home is slightly higher because NI is also reduced.
- Tax code used: standard 1257L for rUK and S1257L for Scotland.
- State Pension age: it is set by date of birth, not age alone (gov.uk timetable). If you are 66 and were born after 5 April 1960, you may still be paying NI.
Frequently asked questions
How is take-home pay calculated in the UK?
Gross salary minus income tax (using your tax code), employee National Insurance, and any gross-pay pension contributions. The 2026/27 income tax bands are 0% (Personal Allowance), 20% (basic), 40% (higher), and 45% (additional).
What is the National Insurance rate in 2026/27?
Employee Class 1 NI is 8% on earnings between £12,570 and £50,270, then 2% above. The rate dropped from 12% to 10% in January 2024 and from 10% to 8% in April 2024.
Does this calculator include pension contributions?
Yes. Enter a percentage of gross. The auto-enrolment minimums are 5% employee + 3% employer (8% total), though many workplace schemes use higher figures.
Why is my actual take-home different from the calculator?
Real payslips can differ for: non-standard tax codes (K, BR, NT), salary sacrifice arrangements, benefits in kind, or post-tax deductions. This calculator uses the standard 1257L tax code.