UK Salary After Tax Calculator (2026/27)
Work out UK take-home pay for 2026/27: income tax (including Scotland), National Insurance, pension and student loan, per year, month and week.
Work out your UK take-home pay for the 2026/27 tax year (6 April 2026 to 5 April 2027). The calculator applies the £12,570 Personal Allowance and its taper above £100,000, the income tax bands for England, Wales and Northern Ireland or for Scotland, employee National Insurance at 8% and 2%, workplace pension contributions and student loan repayments.
How to use this tool
- Enter your annual salary before tax.
- Choose where you live — Scotland has its own income tax bands.
- Enter your pension contribution as a percentage of salary and how it is taken.
- Pick your student loan plan, and tick the box if you also repay a Postgraduate Loan.
Formula
Take-home = Salary − pension − income tax − National Insurance − student loan
Net-pay pensions reduce taxable salary; relief-at-source contributions receive 20% from the provider plus any higher-rate relief. The allowance falls by £1 for every £2 of adjusted net income above £100,000. NI is 8% of earnings between £12,570 and £50,270 plus 2% above. Student loans take 9% (Postgraduate Loan 6%) of earnings above the plan threshold: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, Postgraduate £21,000.
Example
On a £50,000 salary in England with no pension or loan, taxable income is £50,000 − £12,570 = £37,430, all in the 20% band, so income tax is £7,486. National Insurance is 8% × £37,430 = £2,994.40. Take-home pay is £39,519.60 a year, or £3,293.30 a month.
Frequently asked questions
Why is income between £100,000 and £125,140 taxed so heavily?
Each £2 above £100,000 removes £1 of Personal Allowance, so that slice is taxed at an effective 60% in England (plus 2% NI). Pension contributions reduce adjusted net income and can win the allowance back.
Which student loan plan am I on?
Plan 1: started in England or Wales before September 2012, or studied in Northern Ireland. Plan 2: started in England between September 2012 and July 2023, or in Wales from September 2012. Plan 4: Scotland. Plan 5: started in England from August 2023.
My pension uses relief at source — which option do I pick?
Choose relief at source and enter the gross contribution percentage, including the provider’s 20% addition. Extra relief is assumed claimed from HMRC. Non-taxpayers and Scottish starter-rate taxpayers can receive more relief than under net pay.
Why might my payslip differ slightly?
Payroll works period by period and rounds each deduction, and a tax code other than 1257L changes the figures. Bonuses and relief claims can make annual averages differ.
Sources
This tool gives an estimate for general information only. It is not financial, tax, legal or medical advice — check with a qualified professional before you rely on the result.
Last updated: 2026