Take-Home Pay Calculator (2026/27)

How your take-home pay is calculated

This calculator uses the 2026/27 rates for England, Wales and Northern Ireland. The standard personal allowance is £12,570 — you pay no income tax below this. Earnings above it are taxed at 20% up to £50,270, 40% up to £125,140 and 45% beyond. Above £100,000 the personal allowance tapers away at £1 for every £2 earned.

Employee National Insurance is 8% on earnings between £12,570 and £50,270 and 2% on everything above. Pension contributions entered here are treated as salary-sacrifice style deductions taken before tax, which is why adding even a small percentage often costs less in net pay than you'd expect.

Student loan repayments depend on your plan: Plan 1 takes 9% above £26,900, Plan 2 above £29,385, Plan 4 above £33,795, Plan 5 above £25,000 and postgraduate loans 6% above £21,000.

Want a quick answer for a specific salary? See our most popular pages: £25,000 after tax, £30,000, £40,000, £50,000, £60,000, £100,000.