UK Take Home Pay Calculator 2026/27
Every UK pay question, answered for 2026/27 in under a second — tax, NI, student loan, pension and Scotland, in one place, updated the week the Budget lands.
Enter your salary and see exactly what lands in your bank account — income tax, National Insurance, student loan and pension, broken down by year, month, week and day. Your salary never leaves your browser.
Most people are on 1257L. BR, D0, D1, 0T, NT and K codes work too.
Advanced options
Reduces your taxable gross first — tax, NI and student loan are worked out on the reduced figure.
Taxed at your marginal band, but not paid in cash, so it is not deducted from your take-home pay.
Shows the extra take-home your bonus adds over the year (annualised — see the bonus note below).
Your take-home pay
— / year
- Per month
- —
- Per week
- —
- Per working day
- —
| Gross pay | — |
|---|---|
| Pension | — |
| Personal allowance | — |
| Taxable pay | — |
| Income tax | — |
| National Insurance | — |
| Student loan | — |
| Take-home pay | — |
- Effective income-tax rate
- —
- Marginal rate (tax on your next £1)
- —
We could not load the 2026/27 rates. Please check your connection and refresh the page.
Popular salaries
See the take-home pay for common UK salaries — each link opens the calculator pre-filled at that salary.
£20,000£25,000£30,000£35,000£40,000£45,000£50,000£55,000£60,000£65,000£70,000£75,000£80,000£85,000£90,000£95,000£100,000
2026/27 rates — checked 4 November 2026
Personal Allowance £12,570 · Basic rate 20% to £37,700 · Higher rate 40% to £125,140 · Additional rate 45% above · Employee National Insurance 8% to £50,270, then 2% · Scotland's six bands from 19% to 48%. Every figure on this site comes from one rates file sourced from GOV.UK — see the full 2026/27 rates page.
Why TakeHomeWise
- Instant. Results update as you type — no button, no reload, no waiting.
- Private. Everything runs in your browser. Your salary is never sent anywhere.
- Honest about the hard cases. Scotland's six bands, the £100,000 personal-allowance taper, Plan 5 and Postgraduate student loans, and salary sacrifice — worked out properly, with the working shown.
- Sourced. Every rate is from GOV.UK, date-stamped, and tested against HMRC's own worked examples — see how we calculate and about TakeHomeWise.