UK salary calculator

UK Salary & Take-Home Pay Calculator (2026/27 Tax Year)

Calculate Your Exact Monthly Net Income After 2026 Tax Changes

This tool is updated for the April 2026 to April 2027 fiscal year. It reflects frozen income tax thresholds, the 8% main employee National Insurance rate, and updated student loan repayment thresholds so you can estimate what lands in your bank account.

Example presets

Try a graduate, established worker, or higher earner example to see how deductions change.

Estimate your take-home pay

Enter your pay as a yearly salary, monthly salary, weekly pay, daily rate or hourly rate. We will convert it into an estimated annual salary before calculating tax, National Insurance and take-home pay.

How is your pay given?

Choose the format that matches your payslip, contract or day rate.

Gross yearly salary (£)

Enter your annual pay before tax and deductions.

Estimated annual gross salary: £45,000

Pension contribution (% of salary)

Set to 0 if you do not want to include a pension deduction.

Tax code

This affects how much tax-free income you get. Default is 1257L.

Tax region

Scotland uses different income tax bands from the rest of the UK.

Student loan

Repayments are estimated using annual thresholds.

Tax year assumptions

Current UK tax year defaults to 2026/27.

Beginner-friendly take-home summary

Income tax

£6,036

Annual estimate using England / Wales / Northern Ireland income tax bands.

National insurance

£2,414

Annual employee Class 1 estimate.

Student loan

£0

Annual repayment based on the selected plan.

Pension deduction

£2,250

Calculated from your chosen pension percentage and tax code 1257L.

Net annual income

£34,300

What is left after tax and payroll deductions.

Net monthly income

£2,858

Annual take-home divided by 12 for a simple monthly view.

Gross pay breakdown

Income tax

13%

National insurance

Student loan

Pension

Take-home pay

76%

Item	Monthly
Gross salary	£3,750
Income tax	-£503
National insurance	-£201
Student loan	-£0
Pension deduction	-£188
Take-home pay	£2,858

Assumptions

Uses UK tax year 2026/27, which runs from 6 April 2026 to 5 April 2027.
Income tax uses the selected tax region: England / Wales / Northern Ireland.
Pension is treated as a simple salary-sacrifice-style deduction before tax, NI, and student loan.
Actual payslips can differ if your pay is uneven, includes bonuses, or uses a different pension setup.

These estimates use simplified tax rules and may differ slightly from your actual payslip.

Calculate take-home pay from yearly, monthly, weekly, daily or hourly pay

Use this UK salary calculator to estimate take-home pay whether you know your annual salary, monthly pay, weekly wage, daily rate or hourly rate. The calculator converts your income into an estimated annual gross salary, then applies the selected tax year, National Insurance, pension, student loan and other available options.

This can work as a monthly salary calculator UK users can sense-check quickly, a weekly wage calculator UK workers can use for regular pay, a daily rate take-home pay calculator for contractors, an hourly wage after tax UK estimate, or a simple annual salary calculator UK employees can use before accepting a role.

Worked example

Example scenario

This example shows a straightforward UK salary estimate with a pension and student loan included.

Annual salary: £45,000
Pension contribution: 5%
Student loan: Plan 2
Tax code: 1257L in England, Wales or Northern Ireland

It helps you see how much income tax, National Insurance, pension, and student loan deductions can reduce gross salary before it reaches your bank account.

How this works

How the UK Salary & Take-Home Pay Calculator (2026/27 Tax Year) Works

What’s New for the 2026/27 Tax Year?

Data updated for the 2026/27 UK tax year.

Income Tax Freeze: The Personal Allowance remains at £12,570 and the higher-rate threshold remains at £50,270. When pay rises but thresholds stay frozen, more of your salary can drift into higher tax bands over time.

National Insurance: The main employee rate remains at 8% for earnings between the primary threshold and the upper earnings limit, so NI still plays a meaningful part in the gap between gross and net pay.

Student Loans: Repayment thresholds vary by plan, and the 2026/27 settings can change the amount that comes off your payslip. Tax code accuracy matters too, especially if your code is not the standard 1257L.

Pros vs cons

Why people use it

Useful for checking monthly net pay after tax, National Insurance, pension, and student loan deductions.
Helps explain why a gross annual salary does not match what arrives in your bank account.
Supports common UK salary scenarios for the 2025/26 tax year.

What to keep in mind

A payslip can still differ because of overtime, bonuses, benefits, or payroll quirks.
Special cases such as Marriage Allowance or emergency tax are not fully modelled.
Tax and payroll rules can change again in future Budgets, so later tax years would need a fresh update.

Glossary

Personal allowance: The amount of income many UK taxpayers can receive before income tax starts to apply.
Tax code: The code used by HMRC and payroll to work out how much of your pay should be taxed.

Frequently asked questions

What is the 60% tax trap?+

If you earn between £100,000 and £125,140, your personal allowance is reduced as income rises. That creates a very high effective marginal tax rate, which is why pension contributions can sometimes help bring taxable income back below that range.

How does my pension affect my take-home pay?+

Pension contributions can reduce what reaches your bank account now, but they may also reduce the income used for tax and sometimes National Insurance. The exact effect depends on whether your workplace scheme uses salary sacrifice or another setup.

Why is my National Insurance different this year?+

The employee main rate remains at 8% in this model, but your overall payslip can still change because salary levels, thresholds, and payroll settings all interact. Employer National Insurance is separate and does not appear as a deduction on your own payslip.

Can I calculate take-home pay from monthly salary?+

Yes. Select monthly salary, enter your gross monthly pay, and the calculator will estimate your annual salary before calculating tax, National Insurance and take-home pay.

Can I calculate take-home pay from a daily rate?+

Yes. Select daily rate, enter your daily pay and working days per week. The calculator will estimate annual gross income before calculating take-home pay.

Can I calculate hourly wage after tax?+

Yes. Select hourly rate, enter your hourly pay and weekly hours. The calculator will estimate your annual income and show take-home pay based on the available tax options.

Why does the calculator convert everything to annual salary?+

UK tax and National Insurance calculations are commonly estimated using annual income. Converting different pay frequencies into annual salary keeps the calculation consistent.

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