UK Take-Home Pay Calculator
Estimate take-home pay using 2026/27 regional Income Tax, annualised employee NI and selected loan deductions. Supports net-pay and salary-sacrifice pensions, not relief-at-source schemes.
Rule year: 2026/27 · GBP · Sources checked
Estimated annual take-home pay
One job, ordinary allowance, Category A employee below State Pension age, no other income, benefits, tax-code adjustments or Scottish savings/dividend income. Net-pay and pension salary sacrifice only; relief-at-source pensions and later extra-relief claims are excluded. Annual NI and loan thresholds produce averages; actual pay-period rounding and irregular earnings can differ. Sacrifice checks use age-21-plus minimum wage.
Income Tax by band
Only non-savings, non-dividend income is included. Taxable income is measured after the allowance shown above; Scottish bands apply only when Scotland is selected.
| Band | Taxable slice | Rate | Tax |
|---|---|---|---|
| £0 to £37,700 | £37,430.00 | 20% | £7,486.00 |
| £37,700 to £125,140 | £0.00 | 40% | £0.00 |
| £125,140 to above | £0.00 | 45% | £0.00 |
For informational purposes only. This estimate is not financial advice, a tax return, a payroll calculation or a lender decision. See the supported circumstances and exclusions below.
How this calculator works
Start with annual gross salary from one ordinary employment. A net-pay pension reduces Income Tax income but does not reduce the NI or student-loan earnings base. Pension salary sacrifice reduces cash salary before those supported calculations. The Personal Allowance tapers when the modelled adjusted income exceeds £100,000. England, Wales and Northern Ireland use the reviewed common bands, while Scotland uses its own non-savings bands. Monthly and weekly figures are averages of the annual model, not reproduced payslips.
Formula and rules
Take-home = salary − sacrificed salary − net-pay pension − Income Tax − employee NI − selected student-loan deductions. Income Tax uses the supported pension-adjusted income and allowance; NI and loans use salary after sacrifice.
Assumptions and limitations
One job, ordinary allowance, Category A employee below State Pension age, no other income, benefits, tax-code adjustments or Scottish savings/dividend income. Net-pay and pension salary sacrifice only; relief-at-source pensions and later extra-relief claims are excluded. Annual NI and loan thresholds produce averages; actual pay-period rounding and irregular earnings can differ. Sacrifice checks use age-21-plus minimum wage.
Worked example
An England employee on £50,000, without a pension or student loan, has £37,430 taxable income after the standard allowance. Income Tax is £7,486 and annualised Category A NI is £2,994.40. The illustrated annual take-home is £39,519.60.
- Estimated annual take-home pay
- £39,519.60
- Monthly take-home equivalent
- £3,293.30
- Weekly take-home equivalent
- £759.99
- Income Tax
- £7,486.00
Official sources and review
Reviewed against the sources below on 2026-10-06. Rates are held in versioned rule modules. Versioned rules, official source review and year-specific calculation tests.
- HMRC: Rates and thresholds 2026 to 2027 ↗
Regional PAYE bands, Category A NI, student-loan plans and current minimum wage.
- GOV.UK: Income Tax rates and Personal Allowances ↗
2026/27 allowance £12,570, taper above £100,000, and income bands.
- GOV.UK: National Insurance rates ↗
Category A employee rates and Class 4 self-employed rates; no compulsory Class 2 charge in this model.
- GOV.UK: Student-loan repayment amounts ↗
Plan-based earnings deductions, postgraduate repayment and payroll-period limitations.
- HMRC: Salary sacrifice and PAYE ↗
Pension salary-sacrifice assumptions and prohibition on reducing cash earnings below minimum wage.
Common questions
Does this reproduce my PAYE payslip?
No. It is a full-year estimate for steady ordinary earnings. Tax codes, pay-period thresholds, rounding and changes during the year can alter an actual payslip.
Which pension arrangements are supported?
Net pay and pension salary sacrifice. Relief-at-source schemes deduct a net contribution and can require separate higher-rate relief; they are deliberately excluded here.
Does it include Scottish Income Tax?
Yes, for the supported non-savings employment income when Scotland is selected. NI and student loans retain their own rules.