Enter your salary to see your pay after income tax, National Insurance, student loan and pension for the 2026/27 tax year, with England, Wales, Northern Ireland and Scotland covered.
Results are estimates for planning. Check the figures before you make a financial or health decision.
How the UK take-home pay works
The tool turns your pay into a yearly figure, then takes off each deduction in turn.
- Income tax: the Personal Allowance is £12,570, reduced by £1 for every £2 of income over £100,000. England, Wales and Northern Ireland use 20%, 40% and 45% bands. Scotland uses its own six bands.
- National Insurance: 8% on earnings between £12,570 and £50,270, and 2% above that.
- Student loan: 9% above the threshold for Plan 1, 2, 4 or 5, plus 6% above £21,000 for a postgraduate loan.
- Pension: choose net pay, salary sacrifice or relief at source. Net pay is taken before tax. Salary sacrifice is taken before tax and NI. Relief at source is taken after tax and the provider adds basic-rate relief.
The result shows take-home pay per year, month, week and day, plus the tax, NI and loan figures. It assumes a standard tax code and does not include bonuses, benefits, other income or Gift Aid.
Worked example
Using the default values in the calculator above:
| Input | Value |
|---|---|
| Gross salary | 45000 |
| Salary is paid per | Year |
| Where you live | England, Wales or Northern Ireland |
| Student loan | No student loan |
| Postgraduate loan | No |
| Your pension contribution | 5 % of salary |
| How the pension is paid | Net pay (taken before tax) |
Take-home pay per year: £34,120
| Per month | £2,843.30 |
|---|---|
| Per week | £656.15 |
| Per day, 5 days a week | £131.23 |
| Income tax | £6,036 |
| National Insurance | £2,594 |
| Your pension | £2,250 |
Tips and common mistakes
Check your payslip against the result. If they differ, the usual causes are a different tax code, taxable benefits, a different pension arrangement or a student loan plan you have not selected.
Enter your pension percentage and method exactly as your employer describes them, since the effect on tax and NI varies. If you are a higher-rate taxpayer using relief at source, the extra relief is claimed back through your tax return, and the tool shows how much. Read UK income tax explained: bands, allowance and how it's worked out for the bands in detail. This is general information, not tax advice.
Frequently asked questions
Is this accurate for 2026/27?
It uses the 2026/27 rates and thresholds for an employee on a standard tax code. Your payslip may differ if you have a different tax code, benefits or other income.
Does it include Scottish income tax?
Yes. Choose Scotland under Where you live, and the Scottish bands are used instead of the England, Wales and Northern Ireland ones.
How does the pension method change my pay?
Salary sacrifice reduces both tax and National Insurance, net pay reduces tax only, and relief at source is paid after tax with basic-rate relief added by the provider.
Guides that help
- UK income tax explained: bands, allowance and how it's worked out
- How to work out your take-home pay from a UK salary
- Student loan repayments explained: plans, thresholds and what you'll pay