UK take-home pay calculators

Work out how much of your pay packet you actually get to keep. See full instructions below!

UK Tax Calculator
Take-Home Pay Calculator 2026/27
Work out your net salary after income tax, National Insurance, pension contributions and student loan repayments.
Enter your salary as a
Where you live
Pension contributions
Student loans
Other adjustments
Your take-home pay
£0
£0 per month
Enter your salary above to see your take-home pay.
Total deductions as a share of gross pay 0%
Kept from the next £1 you earn 0%
0%
Take home
Figures for the 2026/27 tax year (6 April 2026 to 5 April 2027). Sources: HMRC, Rates and thresholds for employers 2026 to 2027; Income Tax rates and Personal Allowances; Blind Person’s Allowance; Repaying your student loan. Assumes you are under State Pension age, on a standard NI category A, with employment income only and no taxable benefits in kind. Estimates only, not personal tax advice.

How to use this calculator

1Enter your gross salary

This is your pay before anything comes out. Use the toggle to enter it as a yearly or monthly figure.

2Select where you live

Scotland sets its own income tax rates and bands. This is based on where your main home is, not where your employer is.

3Select your pension type

Most UK schemes in the private sector are relief at source. This means your contribution leaves your pay after tax and National Insurance, your provider claims 20% back from HMRC and adds it to your pot automatically, and if you pay higher or additional rate tax, you’ll need to claim the rest back from HMRC yourself.

A net pay arrangement takes the contribution out before income tax, so you get relief at your full rate straight away with nothing to claim, but you still pay National Insurance on it.

Salary sacrifice means you give up part of your salary and your employer pays it in, which saves you income tax and National Insurance, and lowers the pay used to work out student loan repayments.

4Set your contribution

Enter the percentage going into your pension, then choose whether your scheme applies it to your full salary or to qualifying earnings.

Auto-enrolment minimums are 8% of qualifying earnings in total: 3% from your employer and 5% from you, of which 4% comes out of your pay and 1% is tax relief. Enter the full 5%.

You’re automatically enrolled if you are 22 or over, under State Pension age and earning more than £10,000 a year.

5Add student loans and allowances

Pick a plan if you’re still repaying. Postgraduate loans are repaid on top of an undergraduate plan, so select both if that applies. If any other allowances apply, select them from the drop-down box.