UK Take-Home Pay Calculator 2026/27
Estimate your 2026/27 UK take-home pay after Income Tax, National Insurance and student loan repayments, with a net pay pension and every rate shown and editable.
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About the UK Take-Home Pay Calculator
The UK Take-Home Pay Calculator estimates your take-home pay for the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, pick your student loan plan if you have one, and add a workplace pension. The result shows net pay per year, per month and per pay period, the total deductions and their share of your pay, and a breakdown where every line carries its scope, the 2026/27 tax year and its rate.
The page opens with England, Wales and Northern Ireland. Wales keeps the Welsh rates of Income Tax at 10p in each band for 2026-27, so its rates match England's. If you live in Scotland, open the Scotland Take-Home Pay Calculator, which uses the six Scottish bands.
Income Tax
Personal allowance and taper
The first £12,570 of income is tax free. The allowance falls by £1 for every £2 of adjusted net income above £100,000, so it is gone at £125,140. Adjusted net income here is your salary minus the pension.
Bands
Taxable income is charged at the basic rate of 20% up to £37,700, the higher rate of 40% up to £125,140 and the additional rate of 45% above that. Each slice is charged at its own band's rate.
National Insurance
Employee Class 1 National Insurance (category A) is 8% of pay between £12,570 and £50,270 and 2% above £50,270. It is charged on gross pay before the pension, and the page works it out over the whole year.
Student loans
Pick one plan: Plan 1 repays 9% above £26,900, Plan 2 9% above £29,385, Plan 4 9% above £33,795, Plan 5 9% above £25,000, and the Postgraduate loan 6% above £21,000. Repayments use the same gross pay as National Insurance, so the pension does not lower them.
Pensions under net pay
The pension models a net pay arrangement: your employer takes the contribution before Income Tax, so it lowers Income Tax and adjusted net income, but not National Insurance or the student loan.
Worked example
£60,000 a year, England
Taxable income is 60,000 − 12,570 = 47,430. Income Tax is 37,700 × 20% = 7,540 plus 9,730 × 40% = 3,892, so £11,432.00. National Insurance is 3,016 + 194.60 = £3,210.60. Net pay is £45,357.40 a year. A 5% pension (£3,000) lowers Income Tax to £10,232.00, for net pay of £43,557.40.
What the estimate leaves out
The estimate assumes tax code 1257L, with no marriage allowance or other allowances, one student loan at most, and no high-income child benefit charge, savings or dividend income. Payroll works out National Insurance per pay period and rounds student loan deductions down to whole pounds, so a payslip can differ a little when pay varies. Employer National Insurance is not deducted from your pay and is not shown.
Sources
The rates come from GOV.UK: Income Tax rates and allowances, Rates and thresholds for employers 2026 to 2027, the Welsh rates of Income Tax annual report, Pension tax relief, and HMRC's National Insurance Manual (NIM02365).
Edit and reset the rates
Each Income Tax rate, both National Insurance rates and the chosen plan's repayment rate are fields in the Tax rates panel. The allowance, the taper and the thresholds are read-only text. Reset to 2026/27 defaults restores every rate.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Related tools
Compare take-home pay in other countries with the Net Salary Calculator, or work out gross pay from an hourly rate with the Gross Pay Calculator.
Frequently asked questions
Is Wales taxed like England?
Yes, for 2026/27. Wales sets the Welsh rates of Income Tax, and they are kept at 10p in each band, so a Welsh taxpayer pays 20%, 40% and 45%, the same as England and Northern Ireland.
What is take-home pay on £50,000 in the UK?
In England, Wales or Northern Ireland with no student loan, Income Tax is £7,486.00 and National Insurance £2,994.40, so take-home pay is £39,519.60 a year, or £3,293.30 a month. With Plan 2, a repayment of £1,855.35 brings it to £37,664.25.
What happens to the personal allowance above £100,000?
It falls by £1 for every £2 of adjusted net income above £100,000. At £110,000 it is £7,570, and at £125,140 it is gone. Paying more into a net pay pension lowers adjusted net income and can restore part of it.
Why does my payslip National Insurance differ?
The calculator works National Insurance out on the annual salary. Payroll works it out for each pay period on its own, with no running total, so a month with a bonus or overtime can cost more. With the same pay every period, the annual figures match.
Which student loan plan am I on?
Plan 1 is for English and Welsh students who started before September 2012 and for Northern Ireland, Plan 2 for English students from September 2012 to July 2023 and Welsh students from September 2012, Plan 4 for Scotland, Plan 5 for English students from August 2023, and the Postgraduate loan for master's and doctoral loans. The Student Loans Company can confirm yours.
Does my pension lower National Insurance?
No. Under a net pay arrangement the contribution comes out before Income Tax, so it lowers Income Tax and the income used for the allowance taper. National Insurance and student loan repayments are still charged on your full gross pay. Salary sacrifice, which does lower National Insurance, is not modelled.