Free calculator · 2026/27
UK take-home pay calculator
Enter your salary to see what actually lands in your account each month after income tax, National Insurance, pension and student loan. Nothing you type leaves your device.
You keep 100% of your gross pay.
Now plan around it
Know your take-home? The UK Annual Budget Planner turns it into a yearly plan: bills, savings, debts and a 5-year forecast, all offline.
How your take-home pay is worked out
Your gross salary is reduced by a few things before it reaches your bank account. Income tax is charged on what you earn above your personal allowance (£12,570 for most people in 2026/27), at 20%, 40% and 45% in England, Wales and Northern Ireland, or across Scotland's six bands. National Insurance takes 8% of earnings between £12,570 and £50,270, then 2% above that. A workplace pension usually comes off before tax through salary sacrifice, which lowers both your tax and NI. A student loan takes 9% (6% for postgraduate) of what you earn over its threshold.
This calculator uses the 2026/27 rates and runs entirely in your browser, so your salary is never sent anywhere. It's a quick estimate for a standard tax code. Your payslip can differ slightly with benefits in kind, a non-standard tax code, or pay that changes through the year.
Read the full guide: how is your take-home pay worked out? →