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United Kingdom · 2026/27

UK Salary Calculator

Enter your gross annual salary to see your take-home pay after income tax, National Insurance, student loan and pension.

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Take-home pay
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How UK take-home pay is calculated

Your take-home pay is your gross salary minus income tax, National Insurance and any student loan or pension deductions. This calculator uses the 2026/27 rates and thresholds published by HMRC.

Income tax

The first £12,570 is tax-free (the Personal Allowance). In England, Wales and Northern Ireland the basic rate of 20% applies up to £50,270, the higher rate of 40% up to £125,140, and the additional rate of 45% above that. The Personal Allowance is withdrawn by £1 for every £2 you earn over £100,000.

National Insurance

Class 1 employee National Insurance is charged at 8% on earnings between the £12,570 primary threshold and £50,270, then 2% on anything above £50,270.

Student loan and pension

Student loan repayments are 9% of income above your plan’s threshold (6% for Postgraduate Loans). Pension contributions can be made by salary sacrifice — which lowers your taxable salary — or relief at source from net pay.

Scotland uses its own income-tax bands (19%–48%); tick the Scottish taxpayer box to apply them. Figures are estimates for a standard employee and exclude tax-code adjustments and benefits in kind.

Frequently asked questions

How much of my salary do I actually take home in the UK?

It depends on your gross pay, but a typical employee keeps roughly 65–75% of their salary after income tax and National Insurance. Higher earners keep a smaller share because of the 40% and 45% tax bands and the tapering of the Personal Allowance above £100,000.

What is the Personal Allowance for 2026/27?

The tax-free Personal Allowance is £12,570. It is reduced by £1 for every £2 you earn above £100,000, so it disappears entirely at £125,140.

How is National Insurance calculated?

Employees pay 8% on earnings between £12,570 and £50,270, and 2% on everything above £50,270. Earnings below the £12,570 primary threshold are free of National Insurance.

Does this calculator include Scottish income tax?

Yes. Tick the “Scottish taxpayer” box to apply Scotland’s separate income-tax bands (19% to 48%). National Insurance is the same across the whole UK.

How are pension contributions handled?

Salary sacrifice reduces the salary that is taxed, lowering both tax and National Insurance. Relief-at-source contributions are paid from net pay with 20% basic-rate relief added to your pot; higher-rate taxpayers reclaim the rest via Self Assessment, which is not shown in the take-home figure.