Take Home Pay Calculator 2026/27
Enter your salary and see exactly what lands in your bank account — income tax, National Insurance, student loan and pension, broken down by year, month, week and day. Your salary never leaves your browser.
Most people are on 1257L. BR, D0, D1, 0T, NT and K codes work too.
Advanced options
Reduces your taxable gross first — tax, NI and student loan are worked out on the reduced figure.
Taxed at your marginal band, but not paid in cash, so it is not deducted from your take-home pay.
Shows the extra take-home your bonus adds over the year (annualised — see the bonus note below).
Your take-home pay
— / year
- Per month
- —
- Per week
- —
- Per working day
- —
| Gross pay | — |
|---|---|
| Pension | — |
| Personal allowance | — |
| Taxable pay | — |
| Income tax | — |
| National Insurance | — |
| Student loan | — |
| Take-home pay | — |
- Effective income-tax rate
- —
- Marginal rate (tax on your next £1)
- —
We could not load the 2026/27 rates. Please check your connection and refresh the page.
How this is calculated
All figures use the 2026/27 rates, last checked against GOV.UK on 4 November 2026. Pension is worked out on the net-pay model: your contribution comes off your gross pay before income tax, but National Insurance is still charged on the full gross. Auto-enrolment uses 5% of qualifying earnings (£6,240–£50,270). National Insurance is 8% of pay between £12,570 and £50,270 a year, then 2% above. Student loan is charged above your plan's threshold. See the full method on How we calculate.
Examples
| Salary | Income tax | National Insurance | Take-home / year | Take-home / month |
|---|---|---|---|---|
| £35,000 | £4,198.40 | £1,794.40 | £27,569.20 | £2,297.43 |
| £50,000 | £7,486.00 | £2,994.40 | £39,519.60 | £3,293.30 |
| £50,000 (Scotland) | £8,982.05 | £2,994.40 | £38,023.55 | £3,168.63 |
Examples use tax code 1257L, auto-enrolment pension at 5% of qualifying earnings where shown, and no student loan. The £35,000 and £50,000 (Scotland) rows are the spec's acceptance tests, reproduced to the penny.
Questions
How is my take-home pay worked out?
Your gross salary minus pension (auto-enrolment is 5% of qualifying earnings, £6,240–£50,270), minus income tax on what is left above your personal allowance (£12,570), minus employee National Insurance (8% to £50,270, then 2%), minus any student loan (9% above your plan threshold, 6% for Postgraduate). The full working is shown in the breakdown table above.
What is the £100,000 tax trap?
Above £100,000 you lose £1 of personal allowance for every £2 you earn, so your allowance is £0 by £125,140. Between those two figures your marginal rate is effectively 60% on income tax alone — 62% with National Insurance. Pension contributions and salary sacrifice reduce the income counted, which is why the calculator shows a warning when you cross £100,000.
Does this work for Scotland?
Yes. Tick "Scottish taxpayer" and the calculator uses Scotland's six income-tax bands (19% to 48%) with the same £12,570 personal allowance, and shows you the difference against England, Wales and Northern Ireland.
How are student loans handled?
Tick your plan — Plan 1, 2, 4 or 5 at 9% above its threshold, or Postgraduate at 6% above £21,000. A Postgraduate loan stacks with an undergraduate plan, and the calculator charges each one above its own threshold.
Is my salary sent anywhere?
No. The calculator runs entirely in your browser. No salary figure is sent to a server, stored, or shared.
The rates behind this calculator: 2026/27 rates, sourced from GOV.UK.