2026/27 NHS Salary Teacher Salary Salary Bands Self-Employed Bonus Marriage Allowance

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.

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—