What's your real take-home pay?
Enter your salary and see exactly what lands in your account after Income Tax, National Insurance, student loan and pension — for the year, month, week and day.
How UK take-home pay is calculated
Your take-home pay is what's left of your salary once the compulsory deductions come out. For 2026/27, in England, Wales and Northern Ireland, four things are taken from most salaries:
Income Tax
The first £12,570 you earn is your tax-free Personal Allowance. After that you pay 20% up to £50,270, 40% up to £125,140, and 45% above that. If you earn over £100,000 the Personal Allowance is reduced by £1 for every £2 of income, disappearing entirely at £125,140. (Rates: GOV.UK, 2026/27.)
National Insurance
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, then 2% on anything above £50,270. (GOV.UK, 2026/27.)
Student loan
If you're repaying a student loan, you pay 9% of income above your plan's threshold — or 6% on a Postgraduate Loan. Each plan has its own threshold, which changes each tax year.
Pension
A workplace pension contribution is taken from your pay before Income Tax, so it lowers your tax bill — but National Insurance is still charged on your full salary. Money going into your pension is still yours; it's just saved rather than spent.
Common questions
Which tax year does this use?
It defaults to 2026/27 and you can switch to 2025/26. Income Tax and National Insurance rates are the same across both years; the student-loan thresholds differ.
Is this the same as my payslip?
It will be very close. Real payslips calculate tax per pay period with small rounding, and can include extras like a non-standard tax code, salary sacrifice or benefits that this simple version doesn't model yet.
How much National Insurance will I pay?
8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270 for 2026/27.
Does it cover Scotland?
Not yet. Scotland has its own Income Tax bands, so these figures apply to England, Wales and Northern Ireland. A Scottish version is planned.
Where do the figures come from?
All rates and thresholds are taken from GOV.UK for the selected tax year. Results are estimates and not financial advice.