UK Take-Home Pay Calculator 2026/27
Work out your take-home pay after income tax, National Insurance and pension, using 2026/27 rates for England, Wales, Northern Ireland and Scotland.
| Per year | Per month | Per week |
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How this calculator works
It starts with your gross salary, takes off any pension contribution, then applies income tax and employee National Insurance (NI) using the rates below. What is left is your estimated take-home pay, shown per year, per month and per week.
Assumptions
- Tax code 1257L (standard personal allowance), with the allowance reduced automatically for income over £100,000.
- National Insurance category A, calculated on an annual basis.
- No student loan, no benefits in kind, no other income.
- Pension entered as a percentage of salary and treated as salary sacrifice.
2026/27 income tax rates (England, Wales and Northern Ireland)
| Band | Income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Between £100,000 and £125,140 the personal allowance is withdrawn, which creates an effective marginal rate of about 60% on income tax alone. Adding 2% National Insurance takes the marginal rate on each extra pound to roughly 62% in that range.
2026/27 Scottish income tax rates
Scotland sets its own rates for non-savings, non-dividend income. This calculator uses these bands, measured on income above the personal allowance:
| Band | Taxable income | Rate |
|---|---|---|
| Starter | First £3,967 | 19% |
| Basic | £3,968 to £16,956 | 20% |
| Intermediate | £16,957 to £31,092 | 21% |
| Higher | £31,093 to £62,430 | 42% |
| Advanced | £62,431 to £125,140 | 45% |
| Top | Over £125,140 | 48% |
Employee National Insurance (Class 1)
You pay 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. Employee National Insurance is the same everywhere in the UK.
Worked example
On a £30,000 salary in England with no pension: taxable income is £17,430, so income tax is £3,486 (20%). National Insurance is £1,394.40 (8% of the same £17,430). Take-home pay is £25,119.60 a year, or about £2,093 a month.
Official sources for these figures are income tax rates and allowances on GOV.UK and National Insurance rates and categories.
Frequently asked questions
What is the personal allowance in 2026/27?
The standard personal allowance is £12,570. It is frozen at that level and falls by £1 for every £2 of income above £100,000, reaching zero at £125,140.
Does this calculator include student loan repayments?
No. It assumes no student or postgraduate loan. If you have one, your real take-home pay will be lower than shown.
Why is my payslip different from this estimate?
Payslips reflect your actual tax code, the exact pay period, benefits in kind, other pension arrangements and National Insurance category. This calculator uses the standard 1257L code and an annual calculation, so small differences are normal.
Does it work for Scotland?
Yes. Choose Scotland to apply the six Scottish income tax bands. National Insurance is the same across the UK.
How is a pension contribution treated?
The percentage you enter is treated as salary sacrifice, so it reduces the pay that tax and National Insurance are charged on. Other pension arrangements (such as relief at source) work differently and will give a different result.
These results are estimates for general information only and are not financial or tax advice. See our disclaimer.