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UK Take Home Pay Calculator 2026/27

Instantly calculate your net salary after Income Tax, National Insurance, pension, student loan and Child Benefit charges — using official HMRC rates.

Updated for the 2026/27 tax year (rates from 6 April 2026).

Your Income

£
Quick Presets
Region
Status
Tax Code
NI Category

P Pension

0% v

D Deductions

£0 v
Pre-tax is taken before Income Tax (e.g. Payroll Giving / charity, salary-sacrifice union dues) so it lowers your tax. Post-tax comes out of net pay (e.g. union dues, attachment of earnings) with no tax effect.

+ Bonus & Other Income

+£0 v
Overtime

S Student Loan

None v

B Benefits & Allowances

None v
Annual Take-Home Pay
£0
Monthly: £0
|
Weekly: £0
|
Effective rate: 0%
!
HICBC Alert: Your Adjusted Net Income is between £60,000 and £80,000. Child Benefit is being clawed back. Consider salary sacrifice pension to bring ANI under £60k.
Where Your Money Goes Calculating…
0%
Take-home
Annual Breakdown
Pension Impact What if you contributed more? See the effect on your take-home.
Extra contribution +0%
0%5%10%15%20%
£0 / year
Current
Take-home—
Income Tax—
National Insurance—
Pension—
With extra pension
Take-home—
Income Tax—
National Insurance—
Pension—
Net cost to you —
Tax saved —
NI saved —
Effective discount —
Employer Cost Total cost to employ you
Gross
Gross Salary
£0
ER NI
Employer National Insurance
£0
Total Employer Cost £0
Smart Insights
What rent can you afford on this salary?
A common budgeting rule is to keep rent at or below ~30% of your net monthly pay. The figures below are a planning guide, not advice.
Comfortable rent (30% of net)
£0
£0 / year
Max rent (landlords often want <35% net)
£0
£0 / year
Marginal Tax Bands
Salary Comparison Enter alternative annual salary
Current
£0
Take-home£0
Effective rate0%
Marginal rate0%
Alternative
 
Take-home—
Effective rate—
Difference—

Frequently asked questions

How is take-home pay calculated?

Your gross pay has any pension contribution deducted first, then Income Tax and National Insurance are applied using 2026/27 rates, followed by student loan repayments. The result is your annual, monthly or weekly net pay.

Does the calculator use Scottish tax bands?

Yes. Choose Scotland as your region and the calculator applies the 2026/27 Scottish starter, basic, intermediate, higher and top rates, plus the 2026/27 Scottish National Insurance thresholds.

Are pension contributions deducted before tax?

Employee pension contributions are deducted before Income Tax, which is how net-pay and relief-at-source arrangements usually affect take-home pay. Salary sacrifice reduces pay further and also lowers National Insurance.

What happens above £100,000?

The Personal Allowance tapers by £1 for every £2 of income above £100,000, so the effective marginal rate rises to 60% on that band. The calculator applies the taper automatically.

Is the High Income Child Benefit Charge included?

Yes. If your adjusted net income is between £60,000 and £80,000 and you claim Child Benefit, the calculator can deduct the charge from your take-home pay.

Why is my take-home different from my payslip?

A payslip can include a different tax code, company benefits, a student loan plan, or a mid-year pay change. Enter your own tax code and deductions for the closest match.