England, Wales and Northern Ireland
Standard Personal Allowance of £12,570, 20% basic rate, 40% higher rate and 45% additional rate. The Personal Allowance tapers once adjusted net income exceeds £100,000.
UK Take-Home Pay Calculator 2026/27
Estimate net salary across England, Wales, Northern Ireland and Scotland, including Income Tax, employee National Insurance, pension contributions and student loans.
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Currency is fixed to GBP because this tool applies UK statutory tax or pay rules. Use the worldwide salary estimator for other currencies.
2026/27 tax year
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Enter your pay details
Enter pay before tax and deductions.
Estimated monthly take-home£0.00After estimated deductions
Annual take-home£0.00
Weekly take-home£0.00
Per working day£0.00
Effective deductions0%
Annual breakdown
- Gross salary
- £0.00
- Income Tax
- £0.00
- Employee National Insurance
- £0.00
- Pension contribution
- £0.00
- Student loan
- £0.00
- Postgraduate loan
- £0.00
- Total deductions
- £0.00
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A more complete UK net salary estimate
This calculator separates the UK tax regions instead of treating every UK employee as though the same Income Tax bands apply. England, Wales and Northern Ireland use the main UK bands, while Scotland uses six Scottish Income Tax bands. Employee National Insurance uses the same standard category A thresholds across the UK.
2026/27 assumptions
Scotland
19% starter, 20% basic, 21% intermediate, 42% higher, 45% advanced and 48% top rates, using the 2026/27 Scottish bands.
National Insurance
Standard category A employee NI is estimated at 8% between £12,570 and £50,270 and 2% above £50,270.
Student loans
Annual thresholds are applied for Plans 1, 2, 4 and 5 at 9%, plus an optional postgraduate loan at 6%. Actual payroll deductions are calculated per pay period and rounded.
Pension treatment matters
Salary sacrifice reduces the earnings used for Income Tax, employee NI and student-loan estimates. A net-pay workplace pension reduces taxable pay but does not reduce the NI or student-loan earnings used here. Relief-at-source pensions and employer contributions are not modelled.
Why your payslip can differ
- Your tax code may alter the Personal Allowance.
- Bonuses and irregular pay can change PAYE, NI and student-loan deductions for a particular pay period.
- Benefits in kind, salary sacrifice arrangements, tax reliefs, multiple jobs and earlier-year payroll adjustments are not included.
- The estimate assumes employment income only and is not a Self Assessment calculation.
Primary sources, reviewed 23 June 2026: UK Income Tax rates, Scottish Income Tax, HMRC employer rates and thresholds 2026/27, and student and postgraduate loan deduction tables.
Use your result
Frequently Asked Questions
Does this calculator cover Scotland?
Yes. Select Scotland to apply the 2026/27 starter, basic, intermediate, higher, advanced and top Scottish Income Tax bands. National Insurance thresholds remain UK-wide.
Does it include student loans?
Yes. You can select Plan 1, Plan 2, Plan 4 or Plan 5 and separately include a postgraduate loan. The tool uses annual 2026/27 thresholds, so an individual payslip can differ because payroll works per pay period.
How does the pension option work?
Salary sacrifice reduces taxable, NI and student-loan earnings in this estimate. Net-pay workplace pension contributions reduce taxable pay but not the earnings used for NI and student loans. Relief-at-source schemes are not modelled.
Is this the same as my payroll result?
It is an annual estimate for standard employment income. PAYE and NI are calculated by pay period, and tax codes, bonuses, benefits, previous pay and payroll rounding can change an actual payslip.
Can I use it outside the UK?
The tax engine is UK-specific. For another country, use ToolBullet’s worldwide salary-after-tax estimator and enter the effective tax and payroll-deduction rates that apply locally.
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