UK Salary & Take Home Pay Calculator

How is take-home pay calculated in 2026/27?

With a standard £12,570 Personal Allowance, England, Wales and Northern Ireland apply 20%, 40% and 45% Income Tax bands. The allowance reduces by £1 per £2 of adjusted net income above £100,000. Standard category A employee NI is 8% between monthly thresholds of £1,048 and £4,189, then 2%. Employer NI is informational, not deducted from your net pay.

Why might the result differ from my payslip?

This is a full-year, single-income estimate. Employee NI assumes twelve equal monthly payments with monthly rounding; a separate full-year director annual basis is available. Weekly/hourly input changes annualisation, not payroll frequency. Scottish income bands, emergency/cumulative PAYE, benefits in kind, irregular pay and multiple jobs are excluded. Supported numeric L codes and 0T are allowance approximations, not a full PAYE code interpreter.

How are pensions and student loans treated?

The default pension method is an after-tax cash deduction with no relief modelled. Eligible employed salary sacrifice reduces tax, NI and loan earnings; net pay reduces tax but not NI or loan earnings. Relief at source treats the entry as net paid, credits a gross contribution and assumes eligible additional relief is claimed. Percentages apply to full gross pay, not qualifying earnings. Annual-allowance charges, minimum-wage eligibility and low-earner relief are not calculated. Only one loan plan is supported; simultaneous undergraduate/postgraduate deductions are excluded.

2026/27 salary examples: £30,000 to £60,000

For England with standard 1257L, category A NI, twelve equal monthly payments, no pension, loan or other income: £30,000 gross gives £25,120.08 annual net (£2,093.34/month); £40,000 gives £32,320.04 (£2,693.34/month); £50,000 gives £39,520.12 (£3,293.34/month); £60,000 gives £45,358.00 (£3,779.83/month). Monthly figures are annual net divided by 12, not exact PAYE payroll forecasts.

Official sources

• GOV.UK: Income Tax rates and Personal Allowances
• GOV.UK: Employer rates and thresholds 2026/27
• GOV.UK: Pension annual allowance