Take-home pay calculator UK 2026/27
Estimate what remains from your gross salary after the deductions most employees see on a payslip.
Annualised estimate for England, Wales and Northern Ireland.
Estimated take-home pay
See estimated deductions
- Gross salary
- £—
- Income Tax
- £—
- Employee National Insurance
- £—
- Pension contribution
- £—
- Student loan
- £—
How the estimate works
Your gross salary is adjusted for the pension percentage you enter, then Income Tax is estimated using the standard Personal Allowance and rUK tax bands. Employee National Insurance is shown separately. If you select a student-loan plan, the annual threshold and rate for that plan are also included.
The headline result is an annual estimate, with monthly and weekly equivalents. Actual pay can differ because payroll deductions are normally calculated each pay period, and tax codes, overtime, benefits and prior pay can affect a payslip.
When your take-home pay changes faster than your salary
Tax and NI do not apply at one flat rate. The first £12,570 is normally covered by the Personal Allowance. Above that, tax and NI bands apply at different thresholds. Above £100,000, the Personal Allowance is reduced by £1 for every £2 of adjusted net income, so a pay rise in that range can produce a much smaller net increase than expected.
Check the result against your situation
- Use the salary on your contract or annual P60, before deductions.
- Enter a pension percentage only if it is deducted through a net-pay arrangement. Salary sacrifice and relief-at-source arrangements can differ.
- Choose the loan plan shown on your payslip or Student Loans Company account.
- For a job-offer comparison, use salary to hourly as well as the annual figure.
Take-home pay calculator questions
Is this an exact payslip calculator?
No. It is an annualised estimate using stated assumptions. PAYE is calculated by payroll period and personal circumstances can change deductions.
Does the calculator include a pension?
It estimates a net-pay pension contribution if you enter a percentage. It does not model every pension arrangement.
Does this work for Scotland?
Not yet. Scotland has different Income Tax bands, so it needs a separately tested calculator.
Rates and sources
Built from direct government sources for the 2026/27 tax year. HMRC rates and thresholds · Income Tax rates and allowances · full source ledger.