# UK Take-Home Pay Calculator

> Estimate UK take-home pay for 2025/26 or 2026/27 after income tax and employee National Insurance, with optional pension and student loan.

Page: https://freecalculator.tech/tools/uk-take-home-pay-calculator
Last reviewed: 2026-11-12

## What is my UK take-home pay for 2026/27?

Take-home pay is salary minus income tax and employee National Insurance (8% from £12,570 to £50,270, then 2%), minus any pension or other deductions you add.

## Formula

Take-home = salary (+ any extra income) − pension taken before tax − income tax − employee Class 1 NI (8% between £12,570 and £50,270, 2% above) − other deductions you enter.

- Bands for 2025/26 and 2026/27 from GOV.UK "Income Tax rates and Personal Allowances" (England, Wales and Northern Ireland). The Personal Allowance and bands are the same in both years.
- Employee NI from GOV.UK "Rates and thresholds for employers" for 2025 to 2026 and 2026 to 2027 (unchanged), applied to annual earnings. NI is worked out on full pay, because net-pay pension contributions don't reduce it.
- Real payroll calculates NI per pay period, so bonuses and irregular pay can change the result.
- Student loan repayments are only included as an amount you enter; Scottish tax is not modelled.
- Take-home = salary (+ any extra income) − pension taken before tax − income tax − employee Class 1 NI (8% between £12,570 and £50,270, 2% above) − other deductions you enter.
- Inputs used: Gross annual salary, Tax year, Add your own deductions or additions?, Extra taxable income (bonus, commission, side income), Extra taxable income as % of the income above, Pension contributions taken before tax (amount), Pension contributions taken before tax (% of income incl. extra), Other deductions from pay (student loan, etc.) (amount), and other shown inputs.

## Inputs

- Gross annual salary
- Tax year
- Add your own deductions or additions?
- Extra taxable income (bonus, commission, side income)
- Extra taxable income as % of the income above
- Pension contributions taken before tax (amount)
- Pension contributions taken before tax (% of income incl. extra)
- Other deductions from pay (student loan, etc.) (amount)
- Other deductions from pay (student loan, etc.) (% of income incl. extra)

## Worked example: Salary of £50,000

2026/27, England, no adjustments.
1. Income tax = £7,486 (see UK income tax calculator).
2. NI = (50,000 − 12,570) × 8% = £2,994.40.
3. Take-home = 50,000 − 7,486 − 2,994.40 = £39,519.60, about £3,293 a month.

## Common questions

### What is my UK take-home pay for 2026/27?

Take-home pay is salary minus income tax and employee National Insurance (8% from £12,570 to £50,270, then 2%), minus any pension or other deductions you add.

### Why is my payslip different?

Payslips also deduct pension contributions, student loans and benefits, and NI is worked out each pay period rather than annually. Add your own amounts to get closer.

### Does it cover 2026/27?

Yes. Pick 2025/26 or 2026/27; tax bands and NI thresholds are the same in both years, so the same salary gives the same result.

### Is employer National Insurance included?

No. Employer NI is paid on top of your salary and does not reduce your take-home pay.

### Does it include student loan repayments?

Only if you enter them. Student loan plans have their own thresholds, so add your repayment as another deduction from pay.

### How do I work out take-home pay in the UK?

Gross salary minus Income Tax and employee National Insurance for the tax year you pick gives net pay per year, month and week. Pension contributions and student loans are only taken off when you enter them.

## Limitations and assumptions

- Tax years 2025/26 and 2026/27 only.
- NI estimated on annual earnings, not per pay period.
- No Scottish tax; pension and student loan only when you enter them.
- Not tax advice.
- Estimates from official published rates for the selected tax year only. Credits, reliefs and regional taxes are ignored unless you enter them yourself. Not tax advice — check with a qualified tax professional.

## Sources

- GOV.UK — https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2025-to-2026

## Cite this page

- APA: Free Calculator. (2026, November 12). UK Take-Home Pay Calculator. https://freecalculator.tech/tools/uk-take-home-pay-calculator
- MLA: "UK Take-Home Pay Calculator." Free Calculator, 12 Nov. 2026, https://freecalculator.tech/tools/uk-take-home-pay-calculator.
- Link: UK Take-Home Pay Calculator — Free Calculator, https://freecalculator.tech/tools/uk-take-home-pay-calculator