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Take-home per year
UK Take-Home Pay Calculator (2026/27)
Enter your gross pay and this calculator shows what you keep after Income Tax, employee National Insurance, student loan repayments and pension contributions, using the rates for the 2026/27 tax year (6 April 2026 to 5 April 2027). It covers England, Wales and Northern Ireland as well as Scotland, which has its own Income Tax bands, and shows your take-home pay per year, month and week. It is an estimate for planning, comparing job offers and checking a payslip, not a payroll calculation.
Please enter your gross pay.
Take-home pay per month
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Take-home per week
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Total deductions per year
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Share of gross deducted
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How to Use the UK Take-Home Pay Calculator
- Choose whether you pay Income Tax in England, Wales and Northern Ireland or in Scotland.
- Enter your gross pay and choose whether it is per year, month, week or hour. For an hourly rate, also enter your weekly hours.
- Add your student loan plan, a postgraduate loan and your pension percentage if they apply to you.
- Select Calculate to see your take-home pay and a breakdown of every deduction.
UK Take-Home Pay Calculator — How It Works
Take-home = gross pay − pension − Income Tax − National Insurance − student loan
For 2026/27 the standard Personal Allowance is £12,570, and you pay no Income Tax on pay up to that amount. In England, Wales and Northern Ireland, the next £37,700 of taxable pay is taxed at 20%, pay from there up to £125,140 at 40%, and anything above that at 45%. Scotland uses six rates: 19% on the first £3,967 of taxable pay, then 20% up to £16,956, 21% up to £31,092, 42% up to £62,430, 45% up to £125,140 and 48% above that. If your income is over £100,000, the Personal Allowance is reduced by £1 for every £2 above that level.
Employee National Insurance is 8% on earnings between £12,570 and £50,270 and 2% on earnings above £50,270. Student loan repayments are 9% of pay above your plan’s threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. A postgraduate loan takes 6% of pay above £21,000. Pension contributions are treated as coming off your pay before Income Tax but not before National Insurance or student loan.
UK Take-Home Pay Calculator Example
Take a salary of £45,000 in England with no student loan and no pension. Income Tax is 20% of the £32,430 above the Personal Allowance, which is £6,486.00. National Insurance is 8% of the same £32,430, which is £2,594.40. That leaves £35,919.60 a year, or £2,993.30 a month and £690.76 a week. The same £45,000 in Scotland gives an Income Tax bill of £6,882.05, because of the different bands, so take-home is £35,523.55 a year, or £2,960.30 a month.
When to use this tool
Use this when you are comparing a job offer, planning a monthly budget, checking whether a pay rise is worth it after tax, or seeing what a student loan or pension contribution does to your pay. If you work outside the UK, the Salary Calculator lets you enter your own deduction percentage instead.
Key Features & Benefits of This UK Take-Home Pay Calculator
- 2026/27 rates — Income Tax, National Insurance and student loan thresholds for the current UK tax year.
- Scotland included — a separate set of Scottish Income Tax bands, not just one UK rate.
- Full breakdown — see every deduction per year, month and week.
- Instant, free and private — runs entirely in your browser, no sign-up, nothing stored.
Good to know
This is an estimate, not tax or financial advice. It assumes a standard tax code (1257L, or S1257L in Scotland), National Insurance category A, an even salary through the year and no other income, benefits in kind or salary sacrifice. If you are over State Pension age you do not pay employee National Insurance, so your take-home will be higher than shown. Rates were last checked on 30 September 2026 against GOV.UK: Rates and thresholds for employers 2026 to 2027, Income Tax rates and Personal Allowances and student loan repayment plans.
UK Take-Home Pay Calculator — FAQs
How is UK take-home pay calculated?
Start with your gross pay, take off any pension contribution, then subtract Income Tax, employee National Insurance and any student loan repayments. For 2026/27, Income Tax applies to pay above the £12,570 Personal Allowance, and National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above that.
Why are the rates different in Scotland?
Scotland sets its own Income Tax rates and bands, so Scottish taxpayers pay six rates from 19% to 48% instead of 20%, 40% and 45%. Wales uses the same rates as England for 2026/27. National Insurance and student loan rules are the same across the UK.
Which student loan plan am I on?
It depends on where and when you studied. In England, courses starting before 1 September 2012 are Plan 1, from 1 September 2012 to 31 July 2023 are Plan 2, and from 1 August 2023 are Plan 5. Scottish students are on Plan 4, and Northern Ireland uses Plan 1. A postgraduate master's or doctoral loan is repaid alongside your other plan. You cannot choose your plan, so check your online student loan account.
Is my pension taken off before or after tax?
This calculator assumes a net pay arrangement, where your contribution comes off your pay before Income Tax but not before National Insurance or student loan. Salary sacrifice schemes also reduce National Insurance, which this tool does not model, so your take-home could be a little higher. Your payslip or pension provider will show which method your employer uses.
Why might my payslip be different?
Payslips reflect your actual tax code, benefits in kind, bonuses, other jobs and the way National Insurance is worked out for each pay period. This tool assumes a standard tax code, no other income and an even salary across the year, so treat the result as an estimate rather than an exact payslip figure.
What is the 60% tax trap?
If your adjusted net income is between £100,000 and £125,140, your Personal Allowance is cut by £1 for every £2 you earn over £100,000. That makes the effective rate on each extra pound about 60% in England, Wales and Northern Ireland, and higher in Scotland. The calculator applies this reduction automatically.