Take Home Pay Calculator UK

Calculate your UK net salary after income tax and National Insurance for 2026/27. Enter your gross salary to see your take-home pay instantly.

Annual gross salary (£)

Pension contribution (%)

About This Tool

What it does

Calculates your UK net salary after income tax and National Insurance deductions for 2026/27. Uses HMRC's current tax bands and NI rates. Enter your gross salary and optional pension contribution percentage for an accurate take-home estimate.

Who it's for

UK employees wanting to understand their take-home pay, job seekers evaluating salary offers, HR professionals and anyone planning a budget based on net income.

Your privacy

All calculations happen in your browser. No salary data is transmitted or stored anywhere.

⚠️ For informational purposes only. Results are estimates and do not constitute financial advice. Always consult a qualified financial adviser for personal decisions. ToolBullet is not regulated by the FCA, SEC, ASIC, MAS or any financial regulatory body.

Frequently Asked Questions

How is UK income tax calculated in 2026/27?

UK income tax uses bands: personal allowance £12,570 (0%), basic rate 20% (£12,571–£50,270), higher rate 40% (£50,271–£125,140), additional rate 45% (above £125,140). This calculator applies these bands automatically.

What is National Insurance?

NI is deducted separately from income tax. For employees 2026/27: 8% on earnings between £12,570 and £50,270, and 2% above £50,270. NI funds the NHS, state pension and other benefits.

Does this include pension contributions?

The calculator includes an optional pension contribution field. Pension contributions reduce your taxable income. Student loan repayments, childcare vouchers and other deductions are not included as these vary by individual.

How accurate is this calculator?

This calculator uses HMRC's 2026/27 tax bands and NI thresholds. It assumes standard personal allowance (no adjustments for blind person's allowance, marriage allowance etc). For precise figures always check with HMRC or a qualified accountant.

Take Home Pay Calculator UK

About This Tool

Frequently Asked Questions

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