UK Take-Home Pay Calculator (2026/27)
Estimate how much of your salary remains after Income Tax and employee National Insurance.
Take-Home Pay Calculator
Enter your gross annual salary for an estimated Income Tax, National Insurance, and net pay breakdown.
Note: This estimate assumes a standard employee, standard Personal Allowance and even pay across the 2026/27 tax year in England, Wales or Northern Ireland. Scottish tax, tax codes, benefits, pensions and student loans can change the result.
Net Take-Home Pay
Income Tax in 2026/27
For England, Wales and Northern Ireland, the standard Personal Allowance is £12,570. The basic rate is 20% on the next £37,700 of taxable income, the higher rate is 40% up to £125,140, and the additional rate is 45% above £125,140.
The Personal Allowance falls by £1 for every £2 of adjusted net income above £100,000 and is normally zero at £125,140. This calculator estimates that taper from salary alone, so other income and deductions can change the result.
Employee National Insurance in 2026/27
For a standard category A employee, the main Class 1 rate is 8% between the £12,570 primary threshold and £50,270 upper earnings limit, then 2% above £50,270.
National Insurance is normally calculated for each pay period, not as a final annual bill. The calculator uses the published annual thresholds and assumes even pay, so actual payslips can differ slightly.
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