UK Take-Home Pay Calculator 2026/27
Enter your salary and instantly see what lands in your bank account — income tax, National Insurance, pension and student loan all worked out for the 2026/27 tax year.
- 2026/27 HMRC rates
- Free forever
- No sign-up
Calculate your take-home pay
Type in your gross salary — the results update live, with a full breakdown of tax, National Insurance and deductions.
Estimates only — not financial advice. Based on 2026/27 rates for England, Wales & Northern Ireland. Rates may change after the Autumn Budget on 28 October 2026.
How your pay is calculated
Enter your salary
Add your gross annual salary, any salary-sacrifice pension contribution, and your student loan plan.
We apply 2026/27 HMRC rates
Income tax bands, the £12,570 personal allowance, employee National Insurance and student loan thresholds are applied automatically.
See your take-home pay
Get your take-home figure per year, month, week or day — with a full breakdown of every deduction.
Frequently asked questions
What is take-home pay?
Take-home pay — also called net pay — is what is left of your salary after income tax, National Insurance, pension contributions and any student loan repayments are deducted. It is the amount that actually lands in your bank account.
Why does my payslip differ from this calculator?
Small differences are normal. Your employer may use slightly different payroll rounding, apply benefits in kind, or deduct things this calculator does not cover, such as salary-sacrifice schemes beyond pensions. This tool gives an estimate for the 2026/27 tax year, not a payroll-grade figure.
When is the 2026/27 tax year?
The UK tax year 2026/27 runs from 6 April 2026 to 5 April 2027. The rates used here — the £12,570 personal allowance, the 20%/40%/45% income tax bands and National Insurance thresholds — apply to earnings in that period.
Will the Autumn Budget change this?
It might. The Autumn Budget is scheduled for 28 October 2026, and the Chancellor could change tax bands, allowances or National Insurance rates. This calculator uses the rates in force now and will be updated if the Budget changes them.