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Calculate your exact take-home pay after Income Tax, National Insurance, pension contributions, and student loan deductions — broken down by annual, monthly, weekly, daily & hourly figures. Trusted by thousands of UK workers & updated with confirmed HMRC rates.
Self-employed or freelancer? Use the Self-Employed Calculator
£12,570
Personal Allowance
20%
Basic Rate
£50,270
Higher Rate Threshold
8%
Employee NI Rate
Our calculator covers every deduction that appears on a UK payslip — so there are no surprises when payday arrives.
England, Wales, NI & Scottish bands — Basic, Higher, Additional, and all six Scottish rates.
Employee NI at 8% and 2% rates. Employer NI at 15% with the £5,000 threshold.
Salary sacrifice & relief at source, qualifying earnings, employer contributions.
Plans 1, 2, 4, 5 & Postgraduate — correct thresholds and repayment rates.
High Income Child Benefit Charge for earners over £60,000.
Annual, monthly, weekly, daily & hourly — plus effective tax rate and employer cost.
Your take-home pay — the amount deposited into your bank account each month — is your gross salary minus Income Tax, National Insurance contributions, pension deductions, and any student loan repayments. For the 2026/27 tax year (6 April 2026 to 5 April 2027), the standard Personal Allowance remains frozen at £12,570, meaning more workers are being pulled into higher tax brackets through fiscal drag as wages rise.
Income above the Personal Allowance is taxed at progressive rates: 20% (Basic Rate) on earnings from £12,571 to £50,270, 40% (Higher Rate) from £50,271 to £125,140, and 45% (Additional Rate) above £125,140. Scottish taxpayers face a different six-band structure, with rates ranging from 19% to 48%.
On top of Income Tax, employees pay National Insurance at 8% on earnings between £12,570 and £50,270, and 2% above that. Employers separately pay 15% NI on earnings above just £5,000 — a significant cost that influences salary negotiations and hiring decisions. Read our guide on employer NI changes to understand the full impact.
Pension contributions, particularly via salary sacrifice, remain one of the most effective ways to reduce both your Income Tax and National Insurance bills simultaneously. Our calculator models both salary sacrifice and relief at source methods so you can compare the impact on your take-home pay instantly.
Whether you're paid weekly, fortnightly, or monthly, our calculator converts your salary into annual, monthly, weekly, daily, and hourly figures — so you can see exactly what each hour of work is worth after tax. If you're paid by the hour or day, enter your rate and the tool will annualise it automatically.
Every salary level hits different tax brackets. Here's how three common situations play out after all deductions:
Basic Rate Taxpayer
James pays 20% tax on everything above £12,570. His salary sacrifice pension saves him £258 in NI compared to relief at source.
Higher Rate Taxpayer
Nick crosses into the 40% band. Her Plan 2 student loan repays 9% above £27,295. Increasing her pension to 8% would pull her below the Higher Rate threshold.
60% Tax Trap
Mike loses £5,000 of Personal Allowance due to the 60% tax trap. A £10,000 salary sacrifice pension would restore her full allowance and save ~£6,000 in tax.
Figures are estimates using default 2026/27 HMRC rates with salary sacrifice pensions on qualifying earnings. Run your own numbers for a personalised breakdown.
If you work for yourself, your tax and National Insurance are calculated differently. Self-employed workers pay Class 2 NI (£3.45/week) and Class 4 NI (6% on profits between £12,570 and £50,270, plus 2% above that) — and there's no employer handling PAYE for you. Our dedicated Self-Employed Calculator factors in allowable expenses, pension contributions, and both classes of National Insurance to give you an accurate take-home figure. Read our full guide on self-employed tax in 2026/27.
In-depth, HMRC-sourced guides to help you understand your pay, plan your finances, and keep more of what you earn.
What 1257L, BR, D0, and K codes mean — and how to check your payslip is correct for the 2026/27 tax year.
Read guide →Tax PlanningEarning over £100k? How the Personal Allowance taper creates a hidden 60% rate — and proven strategies to avoid it.
Read guide →PensionsSalary sacrifice, relief at source, the £60k Annual Allowance, and how Higher Rate taxpayers can reclaim unclaimed relief.
Read guide →Regional TaxSide-by-side comparison of Scotland's six Income Tax bands vs England's three, with worked examples at key salary levels.
Read guide →Student LoansPlans 1–5 thresholds, monthly repayment examples, write-off dates, and whether voluntary overpayments make sense.
Read guide →Family BenefitsHow the High Income Child Benefit Charge works from £60k, worked examples, and pension strategies to keep your benefit.
Read guide →Type your annual gross salary or use the quick check above. Optionally add bonuses.
Configure your tax code, pension type, student loan plan, and Scottish tax if applicable.
Get an instant breakdown — annual, monthly, weekly, daily & hourly — with every deduction explained.
Every calculation uses the confirmed HMRC rates, thresholds, and rules for the 2026/27 tax year. We update our engine within days of any HMRC announcement to ensure accuracy. All calculations run entirely in your browser — we never store or transmit your salary data.