Take-home pay calculator (UK)
PartialYour 2026/27 take-home pay after Income Tax (England, Wales and Northern Ireland or Scotland), employee National Insurance, pension contributions and student loan repayments – yearly, monthly and weekly.
Partial support: Yearly estimate with tax code 1257L and National Insurance category A worked out on annual figures. Not included: relief-at-source pensions, Marriage Allowance, Blind Person’s Allowance, benefits in kind, taxable benefits and other tax codes.
Rules applied
Checked on 2026-10-20 · tax year 2026/27
- GOV.UK – Income Tax rates and Personal Allowances (2026 to 2027)
- GOV.UK – Scottish Income Tax 2026 to 2027
- GOV.UK – Rates and thresholds for employers 2026 to 2027 (National Insurance, student loans)
Tax year 6 April 2026 to 5 April 2027.
Every rate and threshold used in the calculation was checked against the official sources above.
How to use
- Enter your annual salary before tax.
- Pick England, Wales or Northern Ireland, or Scotland.
- Add your pension contribution as a percentage of salary and choose salary sacrifice or a net pay arrangement.
- Choose your student loan plan and tick the Postgraduate Loan if you have one.
Formula
- Personal Allowance £12,570.00, reduced by £1 for every £2 of income over £100,000 (zero at £125,140)
- England, Wales and NI: 20% on the first £37,700 of taxable income, 40% up to £125,140, 45% above
- Scotland: 19% / 20% / 21% / 42% / 45% / 48% bands
- Employee NI (category A): 8% between £12,570.00 and £50,270.00 a year, 2% above
- Student loans: 9% above the plan threshold (Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000); Postgraduate Loan 6% above £21,000
Worked example
£35,000.00 salary, 5% pension (net pay arrangement), Plan 2 student loan, England: Income Tax £4,136.00, National Insurance £1,794.40, pension £1,750.00, student loan £505.00. Take-home £26,814.60 a year (about £2,234.55 a month). In Scotland: Income Tax £4,133.57, take-home £26,817.03.
FAQ
Is this the same as my payslip?
It is a yearly estimate. Your employer works out tax and NI each pay period using your tax code, so months with bonuses or a change of tax code can differ. We assume the standard tax code 1257L.
What is the difference between salary sacrifice and a net pay arrangement?
With salary sacrifice your salary is reduced, so you save Income Tax, National Insurance and student loan repayments. With a net pay arrangement the pension comes out before Income Tax only, so NI and student loans are still based on your full salary.
What about relief at source pensions?
They are not modelled. In those schemes you pay from take-home pay and your provider claims 20% basic-rate relief; higher-rate relief is claimed separately.
Is Wales different from England?
For 2026/27 the Welsh rates of Income Tax give the same bands as England and Northern Ireland, so they share one option here. Scotland has its own six bands.