Salary & Tax

Take Home Pay Calculator UK

Estimate your take-home pay after Income Tax, National Insurance and selected deductions.

Source: HMRC 2026/27 rates

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HOW IT WORKS

How the Take Home Pay Calculator UK works

Gross income

Start with your annual, monthly, weekly or hourly gross pay.

Tax and National Insurance

The calculator applies the selected 2026/27 UK tax bands and employee National Insurance rates.

Selected deductions

Add an optional salary-sacrifice pension percentage and student loan plan for an indicative net-pay estimate.

COMMON QUESTIONS

Frequently asked questions

What is take-home pay?

Take-home pay is the amount left after deductions such as Income Tax, National Insurance and any selected loan or pension deductions.

Does the calculator support Scotland?

Yes. Select Scotland to use the Scottish non-savings income tax bands for 2026/27.

Can I include student loan repayments?

Yes. Plans 1, 2, 4 and 5 plus postgraduate loans are supported using 2026/27 annual thresholds.

Why might my payslip differ?

Payroll can differ because of tax codes, benefits, bonuses, pension scheme treatment, pay-period rounding and other individual circumstances. This result is an estimate.

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Source information

Calculation rules or data are based on HMRC 2026/27 rates (opens in a new tab) where applicable. Always check the linked official guidance for unusual or high-stakes circumstances.