Take-home pay calculator 2026-27

How this is worked out

• Income Tax (England, Wales and Northern Ireland): Personal Allowance £12,570, then 20% on the next £37,700 (up to £50,270), 40% up to £125,140 and 45% above that. The same in 2026-27 and 2025-26.
• £100,000 taper: you lose £1 of Personal Allowance for every £2 of income over £100,000, so it's zero at £125,140.
• Employee National Insurance (Class 1, category A, UK-wide): 8% on pay between £12,570 and £50,270 a year (£1,048 to £4,189 a month), 2% above that. The same in both years.
• Student loans: 9% of pay over the threshold: 2026-27 Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000; 2025-26 Plan 1 £26,065, Plan 2 £28,470, Plan 4 £32,745. Postgraduate Loan: 6% over £21,000 in both years. Worked out on your pay before tax and pension. Got more than one plan (not counting a Postgraduate Loan)? You repay 9% over the lowest threshold, so pick that plan.
• Pension: with a net pay arrangement your contribution comes out before Income Tax but not before National Insurance. With relief at source it comes out of your take-home pay and your provider adds 20% basic rate relief: the % you enter is the total going into your pot, and you pay 80% of it. Higher and additional rate taxpayers can claim extra relief at source through Self Assessment, which isn't shown. Salary sacrifice isn't modelled: if you use it, enter your salary after the sacrifice.
• Monthly and weekly figures are the yearly amounts divided by 12 and 52. Payroll works each payday on weekly or monthly thresholds and rounds student loan deductions down to the pound, so your payslip can differ by a few pounds. It assumes the standard 1257L tax code, category A NI, one job and no taxable benefits.
• Scottish taxpayers: Scotland has its own Income Tax bands for wages, so the tax line here won't be right for you. National Insurance and student loans are the same across the UK.

Sources: Income Tax rates, Income Tax rates and allowances, National Insurance rates, Rates and thresholds for employers 2026 to 2027, Repaying your student loan. Checked 17 October 2026. These are estimates, not tax or financial advice.

Salary after tax for popular salaries

Want the full breakdown for one salary, with student loan and pension examples? Pick yours:

£20,000 · £21,000 · £22,000 · £23,000 · £24,000 · £25,000 · £26,000 · £27,000 · £28,000 · £29,000 · £30,000 · £32,000 · £33,000 · £35,000 · £38,000 · £40,000 · £42,000 · £45,000 · £48,000 · £50,000 · £52,000 · £55,000 · £60,000 · £65,000 · £70,000 · £75,000 · £80,000 · £85,000 · £90,000 · £95,000 · £100,000 · £110,000 · £120,000 · £125,000 · £130,000 · £150,000

All salary after tax pages

How your take-home pay is worked out

Your employer takes Income Tax and National Insurance from every payslip through PAYE, plus any student loan repayment and pension contribution. What's left is your take-home (net) pay.

Income Tax is worked out on your pay after the £12,570 Personal Allowance. The first £37,700 of taxable pay is taxed at 20%, then 40%, and 45% on anything over £125,140. National Insurance works on a similar ladder but with only two steps: 8% on pay between £12,570 and £50,270, and 2% on everything above. That's why the jump at £50,270 is smaller than it looks: tax goes up from 20% to 40%, but NI drops from 8% to 2%, so the next pound costs you 42p instead of 28p.

Worked example: £35,000

GOV.UK's own example: on £35,000 with the standard Personal Allowance you pay 20% on £22,430 (£35,000 minus £12,570), which is £4,486 Income Tax. National Insurance is 8% of the same £22,430, £1,794.40. Your take-home pay is £28,719.60 a year, or £2,393.30 a month. With a Plan 2 student loan you'd also repay 9% of £5,615 (£35,000 minus £29,385), £505.35 a year.

Earning over £100,000

Between £100,000 and £125,140 your Personal Allowance shrinks by £1 for every £2 you earn, so each extra £100 costs £40 in tax plus another £20 from the lost allowance: an effective 60% rate, or 62% with National Insurance. Pension contributions lower the adjusted net income this is worked out on (a net pay or salary sacrifice contribution straight away in your payslip; relief at source through your tax return or tax code). The £100,000 tax trap guide and the pension and adjusted net income calculator go into more detail.

These figures are estimates, not tax or financial advice. Your tax code, benefits in kind, other income and pay timing can all change what you get.

FAQ

How much tax do I pay on my salary in 2026-27?
In England, Wales and Northern Ireland you pay no Income Tax on the first £12,570 (your Personal Allowance), 20% on the next £37,700, 40% up to £125,140 and 45% above that. On top of that you pay 8% employee National Insurance on pay between £12,570 and £50,270 and 2% above £50,270.

Have the tax bands changed from 2025-26?
No. GOV.UK lists the same £12,570 Personal Allowance, the same 20%, 40% and 45% bands and the same 8% and 2% employee National Insurance rates for 2026-27 as for 2025-26. Student loan thresholds did change on 6 April 2026: Plan 1 is now £26,900, Plan 2 £29,385 and Plan 4 £33,795, and there's a Plan 5 threshold of £25,000.

Does a pension contribution reduce my National Insurance?
Not with a net pay arrangement or relief at source: GOV.UK's employer guide says net pay contributions get tax relief only, not National Insurance relief. Salary sacrifice works differently, because your salary itself goes down, so if you use it, enter your salary after the sacrifice.

Is my student loan worked out on my salary before or after pension?
Before. Student loan repayments are worked out on your pay before tax and other deductions, using the same pay as for National Insurance, so a net pay pension contribution doesn't reduce them.

Why is my payslip slightly different?
Payroll works each payday on weekly or monthly thresholds (for example £1,048 a month for National Insurance) and rounds student loan deductions down to the pound, while this calculator works on the whole year. Your tax code, benefits in kind, bonuses or starting part way through the year can also change your take-home pay.

I live in Scotland. Can I use this?
Partly. National Insurance and student loan repayments are the same across the UK, but Scotland has its own Income Tax bands for wages, so the Income Tax line and take-home figure here won't be right for you.

Plan where your pay goes

Once you know your take-home pay, put it to work: add up your bills, set aside tax on any side income and check your deadlines. More simple spreadsheets for UK money are in the Tidy Sheets shop.

Got a side hustle too? The tax set-aside calculator shows how much to put away. Getting Child Benefit? See the High Income Child Benefit Charge calculator. Paid in dividends? Use the dividend tax calculator. Browse more spreadsheets in the shop.

Official sources

Income Tax rates and Personal Allowances (GOV.UK)
Income Tax rates and allowances for current and previous tax years (GOV.UK)
National Insurance rates and categories (GOV.UK)
Rates and allowances: National Insurance contributions (GOV.UK)
Rates and thresholds for employers 2026 to 2027 (GOV.UK)
Rates and thresholds for employers 2025 to 2026 (GOV.UK)
Repaying your student loan: what you pay (GOV.UK)
Pension tax relief (GOV.UK)
Scottish Income Tax (GOV.UK)