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Calculate your UK take-home pay in seconds. Enter your salary and instantly see how much you keep after Income Tax, National Insurance, pension contributions, and student loans — with a fully personalised breakdown.
Enter your salary below and get a breakdown that mirrors your actual payroll — including your exact tax code, pension type, and student loan plan. Every figure uses confirmed 2026/27 HMRC rates, and all calculations run entirely in your browser.
✔ Verified against HMRC-approved payroll software · Handles the Personal Allowance taper, HICBC, and pension interactions simultaneously · Your data never leaves your browser.
A salary sacrifice pension changes your NI liability, shifts your Adjusted Net Income for HICBC purposes, and can pull you below the Personal Allowance taper — three effects from a single input. This calculator models all of them at once.
Use the dropdown next to the Gross Salary (£) field to enter your pay as an annual, monthly, weekly, daily, or hourly figure — the calculator converts it automatically. Add a bonus if applicable.
Scottish taxpayer, tax code (e.g. 1257L), and student loan plan.
Pension type (salary sacrifice or relief at source), employer rate, and number of children for HICBC. The employer pension contribution is calculated on qualifying earnings (£6,240–£50,270) by default — the HMRC auto-enrolment standard — so the figure shown in your results reflects what your employer actually contributes under statutory rules.
Annual, monthly, weekly, daily & hourly take-home — plus a salary comparison tool, pension estimator, and UK percentile.
Results are broken down by annual, monthly, weekly, daily and hourly periods — so you can compare job offers or see the real impact of a pay rise.
✔ Our data sources for 2026/27
How does the calculator work?
Read the full 9-step deduction order, rounding rules, and our 50-payslip test suite on the methodology page.
Understanding the journey from your gross salary to your take-home (net) pay is essential for financial planning. Here's exactly what happens to your money:
Your agreed annual salary before any deductions. This is what your contract states and what your employer pays.
Deducted based on your tax code and which tax band you fall into. For 2026/27 (England/Wales/NI): Basic Rate 20% (£12,571–£50,270), Higher Rate 40% (£50,271–£125,140), Additional Rate 45% (above £125,140). Scotland has different bands (19–48%).
Employee NI is deducted at 8% on earnings between £12,570 and £50,270, then 2% above £50,270. NI funds the State Pension, NHS, and benefits — it is calculated separately from Income Tax.
If you're in a workplace pension, contributions are deducted. Salary sacrifice pensions save tax and NI, boosting your retirement savings. Your employer's contribution is calculated on qualifying earnings — the portion of your salary between £6,240 and £50,270 (2026/27) — not your full gross salary, unless your employer chooses to go above the statutory minimum.
If you have a student loan, 9% (or 6% for Postgraduate) is deducted from earnings above your plan's threshold. If you pay into a salary sacrifice pension, repayments are calculated on your reduced salary — so a larger pension contribution can bring you below the repayment threshold.
What's left after all deductions. This is what lands in your bank account each month — what you actually have to spend.
✔ Figures assume English taxpayer, no student loan, no HICBC, no Marriage Allowance
Why the pension line matters more than you think
In the £40,000 example above, the £2,000 pension is deducted via salary sacrifice — meaning it comes off before tax and NI. If your employer uses relief at source instead, the pension is taken from net pay: you'd pay £160 more in NI per year and need to claim no extra relief. Our tool lets you toggle between the two so you can see the real difference.
Self-employed? Your tax and NI work differently. Estimate your take-home after expenses, pension, and Class 2/4 NI for 2026/27.
Self-employed workers and freelancers pay tax differently from PAYE employees. Instead of having deductions taken automatically each month, you calculate your own tax liability through Self Assessment. Our calculator models the key differences:
Your total income from self-employment before any deductions. This is the money your clients or customers pay you.
Business costs like equipment, software, travel, office supplies, and professional subscriptions reduce your taxable profit. Only your profit is taxed.
Unlike employees (Class 1), self-employed workers pay Class 4 NI at 6% on profits between £12,570 and £50,270, then 2% above that. Class 2 NI is treated as paid automatically if profits exceed £6,845.
The calculator shows your Income Tax, Class 4 NI, optional pension contributions, and final take-home — so you know how much to set aside for your tax bill.
Remember: as a self-employed worker, you're responsible for setting aside money for your tax bill. HMRC expects payment by 31 January following the end of the tax year, with payments on account potentially due in January and July. Read our full self-employed tax guide →
What 1257L, BR, D0, and K codes mean — and how to check your payslip.
Salary sacrifice vs relief at source — which saves you more?
Plans 1–5 thresholds, repayment rates, and write-off dates.
Earning over £100k? How the hidden 60% effective rate works and how to avoid it.
How the charge works from £60k and pension strategies to keep it.
Class 2/4 NI, expenses, and how self-employed tax differs from PAYE.