UK SalaryCalculate2026/27 tax year
Tax year: 6 April 2026 – 5 April 2027 Based on published HMRC rates

UK salary calculator 2026/27

Estimate take-home pay after tax, NI, pension and student loans.

✓ 2015/16–2026/27 tax years✓ Scotland includedEstimate limits and sources
£

Your salary details

£
Try a salary
Pension contributions 5%

Net pay contributions reduce Income Tax. Salary sacrifice also reduces NI. Relief at source is not supported yet.

Student loan None
Bonus & additional options Optional

Only enter arrangements that are exempt from both Income Tax and employee NI. Leave out your pension and any taxable benefits.

The calculation uses the standard Personal Allowance, reduced where your income requires it. A bonus is spread across the annual result, so its payslip deductions may differ.

Live calculation

Your salary stays in your browser.

Your take-home pay

Estimate
After tax and deductions
£2,843.30 / month

From £3,750.00 gross monthly

You keep 75.8% of your gross income
Updated from your details

Where your salary goes

Monthly view · updates as you change your details

Take-home pay: £2,843.30 (75.8%)Income Tax: £503.00 (13.4%)National Insurance: £216.20 (5.8%)Pension: £187.50 (5.0%)75.8%you take home
  • Take-home pay£2,843.30
  • Income Tax£503.00
  • National Insurance£216.20
  • Pension£187.50
  • Student loans£0.00
  • Other sacrifice£0.00

Salary overview

See your pay before and after deductions. Daily and hourly figures use the working pattern you entered.

Salary breakdown for 2026/27
BreakdownYearlyMonthly4-weeklyFortnightlyWeeklyDailyHourly
Gross income£45,000.00£3,750.00£3,461.54£1,730.77£865.38£173.08£23.08
Income Tax-£6,036.00-£503.00-£464.31-£232.15-£116.08-£23.22-£3.10
National Insurance-£2,594.40-£216.20-£199.57-£99.78-£49.89-£9.98-£1.33
Pension contribution-£2,250.00-£187.50-£173.08-£86.54-£43.27-£8.65-£1.15
Student loans£0.00£0.00£0.00£0.00£0.00£0.00£0.00
Other salary sacrifice£0.00£0.00£0.00£0.00£0.00£0.00£0.00
Take-home pay£34,119.60£2,843.30£2,624.58£1,312.29£656.15£131.23£17.50

Compare a change in pay

Save this result, then change your salary, pension or loan details.

Standard Personal Allowance and category A NI. Pay-period rounding and cumulative PAYE may change your actual payslip.

Tax rates and thresholds for 2026/27

England: Income Tax bands

These bands apply to employment income left after your allowance of £12,570.00. Pension contributions and allowance tapering can change your taxable income.

Income Tax reference bands for the selected tax year and nation
Taxable income bandRate
£0.00 to £37,700.0020%
£37,700.00 to £112,570.0040%
Above £112,570.0045%

Standard Personal Allowance: £12,570.00. Qualifying pension earnings: £6,240.00 to £50,270.00 a year.

Yearly student loan thresholds: Plan 1: £26,900.00; Plan 2: £29,385.00; Plan 4: £33,795.00; Plan 5: £25,000.00; postgraduate: £21,000.

Check the official 2026/27 source ↗

Annual estimate using a standard Personal Allowance. All pay periods are annual averages; your payslip may differ. Daily assumes 5 working days/week and hourly assumes 37.5 hours/week, over 52 weeks.

Results update as you type
Save your breakdown

This is an annual estimate for one job, not a payslip calculation. Current-year HMRC rates were checked on . Monthly and weekly figures are annual averages.

What this salary estimate covers

The main calculator estimates a year’s pay from one job. Other taxable income and Gift Aid are not included in the allowance taper estimate. Custom tax codes, cumulative PAYE, relief-at-source pensions, self-employment, dividends, multiple undergraduate loan combinations, taxable benefits and benefits entitlement are not included in the main calculation. Historical estimates exclude age-related allowances and contracted-out NI rebates. All period views are annual averages.

Independent calculator, not an HMRC service. Read the method and official sources, or report a calculation problem.

UK salary after tax: 2026/27 examples

These examples use 2026/27 rates for England, Wales and Northern Ireland, with the standard allowance and category A NI. They exclude pensions and student loans.

2026/27 salary estimates with no pension, student loan or other sacrifice
Gross salaryIncome Tax / yearNI / yearTake-home / yearTake-home / month
Full breakdown£2,486.00£994.40£21,519.60£1,793.30
Full breakdown£3,486.00£1,394.40£25,119.60£2,093.30
Full breakdown£4,486.00£1,794.40£28,719.60£2,393.30
Full breakdown£5,486.00£2,194.40£32,319.60£2,693.30
Full breakdown£7,486.00£2,994.40£39,519.60£3,293.30
Full breakdown£11,432.00£3,210.60£45,357.40£3,779.78
Full breakdown£17,432.00£3,510.60£54,057.40£4,504.78
Full breakdown£27,432.00£4,010.60£68,557.40£5,713.12

Choose a salary to load that example into the calculator. This resets the calculator to 2026/27, England, no pension and no student loan. Amounts are annual estimates; monthly amounts are yearly totals divided by 12.

What happens to a £50,000 salary?

Start with gross pay of £50,000. With the standard £12,570 Personal Allowance, £37,430 is taxable. In England, Wales or Northern Ireland, that amount falls within the 20% basic-rate band for 2026/27.

Income Tax is therefore £37,430 × 20% = £7,486.00. The annual employee NI estimate is £37,430 × 8% = £2,994.40. With no pension or loan deductions, the amount left is £39,519.60 a year.

From gross pay to take-home

Gross annual salary
£50,000.00
Income Tax
−£7,486.00
Employee NI
−£2,994.40
Annual take-home
£39,519.60
Monthly average
£3,293.30

Add a 5% net pay pension on base salary and the monthly estimate becomes £3,126.63. Change the pension settings above to see the effect on your pay.

How your Income Tax adds up

Each tax rate applies to the part of your income in that band.

Tax-free Personal Allowance£12,570.00
Your annual Income Tax by band
RateIncome in bandAnnual tax
20%£30,180.00£6,036.00

Compare pension deduction methods

Compare how your pension is taken, using your current contribution of 5%.

Net pay arrangementIncome Tax relief; NI stays the same£2,843.30/ month
Salary sacrificeReduces Income Tax and NI earnings£2,858.30/ month
Estimated monthly difference£15.00

Check that your employer offers salary sacrifice and that you meet minimum wage and pension rules. The figures include the effect on student loans but not any employer NI saving passed on to you.

How your UK take-home pay is calculated

Your gross salary is your pay before deductions. Take-home pay is what remains after tax, NI, your pension and any student loan repayments.

Income Tax

Scottish employment income uses different bands. Read the Scottish tax band guide, or check the allowance reduction above £100,000.

For 2026/27, most people start with a £12,570 Personal Allowance. Income above your allowance is taxed in bands. The basic taxable band is £37,700 in England, Wales and Northern Ireland; the usual higher rate is 40% and additional rate is 45%.

Income over £100,000 reduces the allowance by £1 for every £2 of adjusted net income above that point. The calculator works this out from the employment income you enter, less the pension and salary sacrifice deductions you select. Other income and Gift Aid are not included. If you have other income or make Gift Aid donations, check your adjusted net income with HMRC.

Check Income Tax rates and allowances ↗

National Insurance

Use the employee NI calculator to look at this deduction on its own.

NI is worked out separately from Income Tax. For standard category A employment in 2026/27, the annual NI estimate uses 8% between £12,570 and £50,270, then 2% above that.

Payroll normally works out NI for each earnings period. The monthly and weekly figures here are shares of the annual estimate, so they may differ from your payslip. In 2022/23 and 2023/24, blended estimates account for mid-year changes and assume regular earnings.

Check employee NI thresholds ↗

Pension contributions

The workplace pension calculator lets you compare the two supported deduction methods.

A net pay pension is taken before Income Tax. Salary sacrifice reduces contractual cash pay and can reduce employee NI as well. Compare the two methods above using the same pension contribution.

Qualifying earnings are a band of pay, rather than the whole salary. In 2026/27 that band runs from £6,240 to £50,270. Select it only if your scheme uses it. Relief-at-source pensions and annual allowance tax charges are not included.

Check how pension tax relief works ↗

Student loan repayments

Not sure which settings to use? Read the student loan repayment guide.

Undergraduate repayments are 9% of earnings over the relevant threshold; postgraduate repayments are 6%. A postgraduate repayment can apply alongside an undergraduate plan. These deductions depend on your earnings, not the amount you still owe.

Choose one undergraduate plan and, if needed, a postgraduate loan. The available plans and thresholds change with the tax year. Your employer calculates repayments for each pay period and applies payroll rounding.

Check student loan repayment rules ↗

Why your payslip might show a different amount

If the result differs from your payslip, check these details first.

Check the tax code

Use the tax code decoder to check what the letters and numbers usually mean.

The calculator uses the standard allowance with income tapering. An employer may use a code adjusted for benefits, earlier underpayments or a second job. The main calculator does not use custom or emergency tax codes.

Check how your pension is worked out

Confirm whether your percentage applies to base salary, qualifying earnings, or salary including bonus and overtime. Check whether your scheme uses net pay, salary sacrifice or relief at source. Two contributions labelled “5%” may use different amounts of pay.

Check the timing

PAYE can take earlier income and tax into account. A bonus, mid-year job change or uneven earnings can alter deductions in one pay period. The calculator does not use your earlier payslips or tax paid so far this year.

Check other deductions

Taxable benefits, other jobs, payroll deductions and benefits entitlement may affect your finances. Only enter arrangements exempt from Income Tax and employee NI in Other salary sacrifice. Do not use it for every workplace benefit.

Put your next pay rise in perspective

What would an extra £5,000 really mean?

Enter a pay rise to see how much extra you could take home with your current pension, country and loan settings.

Extra take-home each month£283.33

Of £416.67 extra gross monthly pay

Current monthly take-home£2,843.30
With your pay rise£3,126.63
Annual estimate. Assumes the rise applies for a full tax year.

Compare the same salary across tax years

See what the same salary and deduction settings would give you under each year’s rules.

2015/16 – 2026/27
£2,843.30£2,672.982015/16: £2,672.98 monthly take-home2015/162016/17: £2,680.60 monthly take-home2017/18: £2,673.31 monthly take-home2017/182018/19: £2,681.74 monthly take-home2019/20: £2,694.65 monthly take-home2019/202020/21: £2,703.33 monthly take-home2021/22: £2,705.18 monthly take-home2021/222022/23: £2,708.07 monthly take-home2023/24: £2,748.71 monthly take-home2023/242024/25: £2,843.30 monthly take-home2025/26: £2,843.30 monthly take-home2025/262026/27: £2,843.30 monthly take-home2026/27
Same salary across all supported tax years
Tax yearIncome Tax / yearNI / yearTake-home / monthView year
2015/16£6,503.00£4,171.30£2,672.98
2016/17£6,350.00£4,232.80£2,680.60
2017/18£6,250.00£4,420.32£2,673.31
2018/19£6,180.00£4,389.12£2,681.74
2019/20£6,050.00£4,364.16£2,694.65
2020/21£6,050.00£4,260.00£2,703.33
2021/22£6,036.00£4,251.84£2,705.18
2022/23£6,036.00£4,217.18£2,708.07
2023/24£6,036.00£3,729.45£2,748.71
2024/25£6,036.00£2,594.40£2,843.30
2025/26£6,036.00£2,594.40£2,843.30
2026/27£6,036.00£2,594.40£2,843.30

These figures do not account for inflation. Loan deductions start only in years when the plan was available. NI uses category A without contracted-out rebates. For 2022/23 and 2023/24, the calculator averages mid-year changes across steady earnings.

How to use the UK salary calculator

Follow these seven steps to work out your take-home pay. The arrows show where to enter your details and find your results.

Go to the calculator ↑
  1. 1

    Start with your gross salary

    Enter the amount before deductions, then choose how often it is paid. Check the pay period carefully: £50,000 a year is very different from £50,000 a month. The calculator updates when you enter a valid amount.

    Enter gross pay and select its frequency
    Step 1

    Enter gross pay and select its frequency

    Gross salary field showing £50,000 and the per-year frequency selector.

    Gross salary field showing £50,000 and the per-year frequency selector.

    On a small screen, scroll sideways to inspect the full-size screenshot.

    Step 1: Gross salary field showing £50,000 and the per-year frequency selector.
  2. 2

    Match the tax year and where you live

    Choose a tax year from 2015/16 to 2026/27. Then select your UK nation. Your main home matters for Scottish tax status; the location of your employer alone does not determine it.

    Choose the tax year and your UK nation
    Step 2

    Choose the tax year and your UK nation

    Tax year set to 2025/26 and location set to Scotland.

    Tax year set to 2025/26 and location set to Scotland.

    On a small screen, scroll sideways to inspect the full-size screenshot.

    Step 2: Tax year set to 2025/26 and location set to Scotland.
  3. 3

    Tell us how your pension is taken

    Enter your contribution percentage and choose net pay or salary sacrifice. Select qualifying earnings if that is how your scheme works. You can also choose whether bonus and overtime count towards your pension.

    Select your pension deduction method
    Step 3

    Select your pension deduction method

    Pension contribution of 5 percent with salary sacrifice selected and pensionable earnings checkboxes.

    Pension contribution of 5 percent with salary sacrifice selected and pensionable earnings checkboxes.

    On a small screen, scroll sideways to inspect the full-size screenshot.

    Step 3: Pension contribution of 5 percent with salary sacrifice selected and pensionable earnings checkboxes.
  4. 4

    Select the right student loan plan

    Choose your undergraduate repayment plan. Tick the postgraduate option only if you also repay that loan. The list changes with the tax year so you cannot apply a plan before it started.

    Choose your student loan repayment plan
    Step 4

    Choose your student loan repayment plan

    Student loan controls showing Plan 2 and the postgraduate loan checkbox selected.

    Student loan controls showing Plan 2 and the postgraduate loan checkbox selected.

    On a small screen, scroll sideways to inspect the full-size screenshot.

    Step 4: Student loan controls showing Plan 2 and the postgraduate loan checkbox selected.
  5. 5

    See where your salary goes

    The donut shows how your gross pay is split between take-home pay and deductions. Choose Bars for a different view. Change your pay or deduction settings to update the chart and figures.

    Switch between Donut and Bars
    Step 5

    Switch between Donut and Bars

    Live salary donut chart, deduction legend and Donut and Bars view buttons.

    Live salary donut chart, deduction legend and Donut and Bars view buttons.

    On a small screen, scroll sideways to inspect the full-size screenshot.

    Step 5: Live salary donut chart, deduction legend and Donut and Bars view buttons.
  6. 6

    Read the salary overview in your pay period

    Switch between yearly, monthly, four-weekly, fortnightly, weekly, daily and hourly results. On a phone, Selected period keeps the table readable. Choose All periods to compare the columns.

    Read the take-home total for your selected period
    Step 6

    Read the take-home total for your selected period

    Weekly salary overview with separate gross pay, Income Tax, NI, pension, student loan and take-home rows.

    Weekly salary overview with separate gross pay, Income Tax, NI, pension, student loan and take-home rows.

    On a small screen, scroll sideways to inspect the full-size screenshot.

    Step 6: Weekly salary overview with separate gross pay, Income Tax, NI, pension, student loan and take-home rows.
  7. 7

    Download or print your result

    After you change the calculation, the report bar offers PDF, image and print buttons. You can also find these below your results. A report includes the pay table, salary split and settings used. It is made in your browser.

    Download your PDF or image report
    Step 7

    Download your PDF or image report

    Download PDF and Download image controls beside Save your breakdown.

    Download PDF and Download image controls beside Save your breakdown.

    On a small screen, scroll sideways to inspect the full-size screenshot.

    Step 7: Download PDF and Download image controls beside Save your breakdown.

Tips for comparing your pay

Compare a pay rise using net pay

Use the pay-rise panel to see the monthly difference rather than dividing a gross increase by 12. Keep the pension and loan settings the same when comparing like-for-like. A change in contribution percentage can explain why two offers produce unexpected results.

Compare tax years

The history table applies each year’s tax rules to the same salary. It shows how those rules affect take-home pay. It does not show your past earnings or account for inflation.

Keep weekly and four-weekly pay distinct

The calculator uses 52 weeks, 26 fortnights, 13 four-week periods or 12 months in a year. Daily and hourly comparisons depend on the working pattern you enter, so check those settings for part-time roles.

Save the assumptions with the result

Save your settings with the result so you can compare it later. Use the PDF or PNG export to keep the tax year, pension, loan settings and calculation notes with the result. Check whether salary sacrifice is available before treating a comparison as a practical option.

How the calculator works

UK Salary Calculate estimates pay after deductions. Choose a tax year from 2015/16 to 2026/27 to use that year’s rates. This is an independent website, with no connection to HMRC.

The steps behind your result

  1. Convert your hourly, daily, weekly or monthly pay into an annual salary.
  2. Add annual bonus and overtime. Work out which earnings your pension contribution applies to.
  3. Deduct pension and salary sacrifice amounts from the pay used for tax and NI, where the chosen arrangement allows it.
  4. Calculate the Personal Allowance, including tapering, and apply the year’s regional tax bands.
  5. Work out employee NI and student loan repayments using their separate rules.
  6. Subtract the deductions, then divide the annual result into the pay periods shown.

What we test

Our software tests check examples from past tax years, Scottish tax, loan thresholds, pension contributions, salary sacrifice and pay conversions. They also check that take-home pay plus deductions adds back up to gross pay.

We also check the forms, graphs, tax-year choices, mobile tables and report downloads in a browser. These are our own checks, not an independent financial audit or HMRC approval.

Current-year sources and calculator instructions last checked: . The screenshot guide shows the supported interface on that date.

About the sources

The links below explain the rates and rules we use. We calculate the salary examples ourselves; HMRC has not supplied or approved these results. Some payroll situations need calculations this tool does not cover.

If your circumstances involve another job, benefits in kind, pension tax charges or a non-standard tax code, use your payroll records and the relevant official guidance to check the result.

Official sources

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Common questions

Why does my payslip differ from this calculator?

A payslip may use a different tax code, cumulative PAYE, pay-period NI thresholds and whole-pound student loan deductions. Benefits, back pay, irregular bonuses and previous earnings can also change the result. This tool uses annual rules and averages the result across pay periods.

Does the calculator work for Scotland?

Yes. It applies the selected year’s Scottish bands to employment income when Scotland is chosen. Scottish employment tax bands started to differ from the rest of the UK in 2017/18. Employee NI uses the same category A rules across the UK.

Can I calculate a previous tax year?

Yes. Choose any year from 2015/16 to 2026/27. The allowance, tax bands, NI calculation, loan thresholds and qualifying pension earnings change with the year. For 2022/23 and 2023/24 the full-year NI estimate blends mid-year changes assuming evenly spread pay.

Can I include a bonus and overtime?

Yes. Enter their annual cash values under Bonus & additional options. Choose whether to include them in pensionable pay, unless qualifying earnings already apply. The result shows their full-year effect; it does not predict the deductions on a particular bonus-month payslip.

How do daily and hourly take-home figures work?

Daily take-home is the annual estimate divided by 52 times your working days per week. Hourly take-home is divided by 52 times your weekly working hours. These are comparison rates, not a guarantee of pay for an individual working day or hour.

Do you store my salary or upload it to create a report?

No. Calculations and PDF or PNG exports run in your browser. The calculator does not send your entered salary to a server or save it after you leave. Downloaded reports are stored wherever your browser normally saves files.

Can I use this for self-employment, dividends or two jobs?

The main calculator is for one job. Use the separate self-employment, dividend or two-job tools in All tools for those calculations. Each has its own limits; the main salary calculator does not work out benefits entitlement or a full Self Assessment bill.

Is this calculator approved by HMRC?

No. UK Salary Calculate is independent and is not affiliated with or approved by HMRC. Its rules are based on published official sources. We test the calculations in software, but your tax code and payroll details can still give a different result.

Work out your own take-home pay

Use your salary and payslip details to check the tax year, pension and loan settings.

Back to the salary calculator

Estimates are for guidance, not personalised financial advice or an official payroll calculation. If a payslip or tax bill appears incorrect, check your records with payroll or HMRC.

Monthly take-home£2,843.30View results ↓