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.
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.
What this calculator does
Estimate UK take-home pay for 2025/26 or 2026/27 after income tax and employee National Insurance, per year, month and week. Optionally add pension contributions, a student loan or other deductions.
You enter gross annual salary, tax year, add your own deductions or additions and extra taxable income (bonus, commission, side income) and a few other details, and the uk take-home pay calculator shows the answer along with the working, so you can check it or try other numbers.
The page shows the formula, a numeric worked example, and the assumptions that affect this tax calculation.
Inputs and what they mean
- Gross annual salary
- — number value.
- Tax year
- — choice value.
- Add your own deductions or additions?
- — choice value.
- Extra taxable income (bonus, commission, side income)
- — Added to the income above before tax is worked out.
- Extra taxable income as % of the income above
- — For example a bonus quoted as a percentage of salary.
- Pension contributions taken before tax (amount)
- — Contributions deducted from pay before income tax (net pay arrangement). Relief-at-source pensions and salary sacrifice work differently and aren't modelled.
- Pension contributions taken before tax (% of income incl. extra)
- — Contributions deducted from pay before income tax (net pay arrangement). Relief-at-source pensions and salary sacrifice work differently and aren't modelled.
- Other deductions from pay (student loan, etc.) (amount)
- — Taken from pay after tax; enter your own amount — student loan plans have their own thresholds.
- Other deductions from pay (student loan, etc.) (% of income incl. extra)
- — Taken from pay after tax; enter your own amount — student loan plans have their own thresholds.
How to use it
- Enter each value in the unit shown next to the box (use the unit converter first if your numbers are in other units).
- Check the breakdown to see every intermediate step.
- Read the limitations before relying on the result.
Formula
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.
Worked example
Salary of £50,000
- Income tax = £7,486 (see UK income tax calculator).
- NI = (50,000 − 12,570) × 8% = £2,994.40.
- Take-home = 50,000 − 7,486 − 2,994.40 = £39,519.60, about £3,293 a month.
Reading the result
The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.
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.
Reference: GOV.UK
Last reviewed:
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.
Sources
Method based on GOV.UK.
Cite this page
Free Calculator. (2026, November 12). UK Take-Home Pay Calculator. https://freecalculator.tech/tools/uk-take-home-pay-calculator
"UK Take-Home Pay Calculator." Free Calculator, 12 Nov. 2026, https://freecalculator.tech/tools/uk-take-home-pay-calculator.
UK Take-Home Pay Calculator — Free Calculator, https://freecalculator.tech/tools/uk-take-home-pay-calculator
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