Take Home Pay Calculator UK 2026/27
Calculate your salary after Income Tax, National Insurance, pension and student loan deductions. Then see where a quick accountant review could help you keep more of your income.
Calculate your salary after tax
Enter your gross pay and choose the options that apply to you. Results update automatically.
Your take home pay is not only a calculator number
If your income has changed, your tax code looks wrong, you earn over £50,270, or you run a limited company, a quick review can often find practical ways to reduce tax pressure.
How this take home pay calculator works
This UK take home pay calculator estimates your net salary after PAYE Income Tax, employee National Insurance, pension contributions, student loan repayments and selected after-tax deductions.
Income Tax
Uses the current Personal Allowance and tax bands for England, Wales and Northern Ireland, with a Scotland option for Scottish taxpayers.
National Insurance
Uses employee Class 1 National Insurance bands for standard category A employees.
Student loan
Supports Plan 1, Plan 2, Plan 4, Plan 5, Postgraduate Loan and Plan 2 plus Postgraduate Loan together.
2026/27 Income Tax bands for England, Wales and Northern Ireland
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Student loan thresholds used in this calculator
| Loan plan | 2026/27 yearly threshold | Repayment rate |
|---|---|---|
| Plan 1 | £26,900 | 9% above threshold |
| Plan 2 | £29,385 | 9% above threshold |
| Plan 4 | £33,795 | 9% above threshold |
| Plan 5 | £25,000 | 9% above threshold |
| Postgraduate Loan | £21,000 | 6% above threshold |
Useful next steps
Check your tax code
A wrong tax code can reduce your monthly pay. Read our guide to UK tax codes or ask us to review it.
Review salary sacrifice
Pension salary sacrifice may reduce Income Tax and National Insurance, depending on your setup.
Small business owner?
If you run a limited company, your best structure may involve salary, dividends, pension and expenses.
Take home pay calculator FAQs
How do I calculate take home pay in the UK?
Start with your gross salary. Deduct Income Tax, employee National Insurance, pension contributions, student loan repayments and any other payroll deductions. The result is your estimated take home pay.
Is this calculator updated for 2026/27?
Yes. The calculator is built for the 2026/27 UK tax year and also includes 2025/26 and 2024/25 options for comparison.
Why is my take home pay lower than expected?
Your pay can be lower because of a tax code issue, student loan deductions, pension deductions, unpaid benefits, bonus timing, Scottish tax bands, or higher rate tax.
Does pension reduce take home pay?
Yes, but the effect depends on the pension method. Salary sacrifice often gives a stronger monthly benefit because it can reduce both taxable pay and National Insurance.
Does this calculator work for self-employed income?
This calculator is designed mainly for employed PAYE salary. Self-employed tax works differently because Class 2 and Class 4 National Insurance, business expenses and payments on account may apply.
Can an accountant help me increase take home pay?
Yes. An accountant can review your tax code, pension method, payroll setup, salary sacrifice, allowable expenses, director salary, dividends and Self Assessment position.