UK Take-Home Pay Calculator 2026/27
Calculate your net monthly and annual take-home pay after Income Tax, National Insurance, pension contributions, and student loan repayments. Uses 2026/27 tax year rates (England, Wales, NI).
What is take-home pay?
Your take-home pay (net pay) is what remains after all deductions from your gross salary. In the UK, the main deductions are Income Tax (charged at 20%, 40%, or 45%), National Insurance (8% on most earnings, then 2%), pension contributions, and any student loan repayments. Understanding these deductions helps you negotiate salary, plan budgets, and compare job offers.
Tax year 2026/27 rates: Personal Allowance £12,570 (tapered above £100,000). Basic rate 20% (£12,571-£50,270), Higher rate 40% (£50,271-£125,140), Additional rate 45% (above £125,140). NI: 8% main rate, 2% above upper limit.
UK Take-Home Pay Calculator 2026/27 — Free Salary Calculator
Free UK take-home pay calculator for the 2026/27 tax year. Calculate your net income after Income Tax, National Insurance, pension, and student loan repayments.
How your ££50,000.00 salary is split
Salary Breakdown
Take-Home Pay at Different Salary Levels
How UK Income Tax works in 2026/27
Everyone gets a Personal Allowance of £12,570 — you pay no tax on this portion of your income. Income between £12,571 and £50,270 is taxed at 20% (basic rate). Income between £50,271 and £125,140 is taxed at 40% (higher rate). Anything above £125,140 is taxed at 45% (additional rate). If you earn over £100,000, your Personal Allowance shrinks by £1 for every £2 over the threshold.
National Insurance contributions
Class 1 employee NI is 8% on earnings between £12,570 and £50,270, then 2% on anything above £50,270. Unlike Income Tax, NI uses a per-pay-period calculation but the annualised effect is the same. Your NI contributions count toward your State Pension and certain benefits.
Pension tax relief
Pension contributions are deducted from your gross salary before Income Tax is calculated (relief at source or net pay arrangement). This means you get tax relief at your marginal rate — if you're a 40% taxpayer, a £100 pension contribution effectively costs you only £60. The calculator shows the full effect of your pension on take-home pay.