UK money
UK take-home pay calculator 2026/27
Income tax, National Insurance, student loans and pension choices for a steady salary.
How to use it
- Enter gross yearly salary before any pension arrangement.
- Choose the tax nation, how often you are paid, and any pension or student loan.
- Read the take-home figure for one pay period, and the yearly breakdown underneath.
What the 2026/27 figure includes
Income Tax uses the rest-of-UK bands, or the Scottish bands on non-savings income, after the Personal Allowance of £12,570. The allowance falls by £1 for every £2 of adjusted net income above £100,000. National Insurance is employee Class 1, category A, using the weekly, monthly or annual thresholds published for payroll.
A salary-sacrifice pension reduces pay for tax, National Insurance and student loans. A net-pay arrangement reduces taxable pay only. Relief at source is paid from after-tax pay: you hand over 80% of the gross contribution, and extra relief above the basic rate is worked out from the difference in tax. The £2,000 National Insurance cap on salary sacrifice starts in April 2029 and is not applied.
Where more than one undergraduate student loan applies, 9% is taken above the lowest threshold only. A postgraduate loan is an extra 6%. Weekly and monthly deductions are rounded down to a pound, which is the payroll rule. The numbers you type are not sent anywhere.
Worked examples
These examples are calculated from the published bands and thresholds. HMRC’s category A illustration is £1,000 a week, which is £58.66 of National Insurance. At £30,000 a year in England, Wales or Northern Ireland, paid monthly, with no pension and no student loan, income tax is £3,486 and National Insurance for the year is £1,393.92, so take-home pay is £25,120.08.
Monthly thresholds are the published payroll figures, not an exact twelfth of the annual threshold, so a monthly total can differ by a few pounds from a pure annual sum. The calculator assumes tax code 1257L before the £100,000 taper, employment income only, and a steady salary. It does not apply Marriage Allowance, Blind Person’s Allowance, the High Income Child Benefit Charge, benefits in kind, or an annual allowance charge on pension savings.
This is a guide to the published rules, not financial, tax or payroll advice. Check a live payslip against your own code, and read the source pages linked below. The rates were checked on 8 October 2026.
Sources for 2026/27
- Income Tax rates and Personal Allowances
- HMRC Income Tax rates and allowances, current and past
- Scottish Income Tax
- Scottish Rate Resolution 2026-27
- National Insurance: how much you pay
- Employer NI rates and thresholds 2026 to 2027
- Student loan repayments
- Employer student loan guidance
- Pension tax relief
- SDLT residential rates
- SDLT higher rates for additional properties
- VAT rates
- Capital Gains Tax rates
- Business Asset Disposal Relief
- Shares and Capital Gains Tax (HS284)
- Personal Savings Allowance
- Individual Savings Accounts
- Capital Gains Tax losses
- HMRC cryptoassets manual: pooling example CRYPTO22255
- Pension scheme investments and tax
Rates were reviewed on 8 October 2026. Email [email protected] if a figure looks out of date.
Questions
Does this include Scottish income tax?
Yes. Choose Scotland and the starter, basic, intermediate, higher, advanced and top rates are used on employment income. The Personal Allowance is still the UK-wide £12,570.
Which student loan do I pick if I have two plans?
Tick every plan that applies. Undergraduate plans share one 9% deduction from the lowest threshold. A postgraduate loan is added on top at 6%.
Why might this differ from my payslip?
A different tax code, bonus, benefit, pension method or National Insurance category will change the result. Category A and a steady salary are assumed.