See exactly what lands in your bank after PAYE income tax, National Insurance, pension contributions and student loan repayments for the 2026/27 UK tax year. Monthly, weekly and annual figures, with marginal-rate awareness for the £100k Personal Allowance taper.
UK take-home pay is the amount of your salary that lands in your bank account after statutory and contractual deductions. For 2026/27 the four big deductions a PAYE employee usually sees are income tax (PAYE), National Insurance contributions (NICs), workplace pension contributions and student loan repayments. The Personal Allowance remains frozen at £12,570, the basic-rate band runs to £50,270, the higher-rate band to £125,140, and any earnings above £125,140 fall into the 45% additional rate.
National Insurance currently sits at 8% on earnings between £12,570 and £50,270, then drops to 2% on earnings above the upper earnings limit. Pension contributions reduce your taxable pay if they go through net pay or salary sacrifice arrangements; relief-at-source schemes restore the basic-rate relief inside the pension pot rather than on the payslip. Student loan repayments are triggered above plan-specific thresholds (for example, Plan 2 starts at £27,295) and run at 9% above threshold (6% for the Postgraduate Loan).
Use the calculator below to test scenarios. The four worked examples beneath the calculator show typical 2026/27 outcomes: a basic-rate employee, a Plan 2 graduate, a higher-rate employee using salary sacrifice, and a £110k earner caught in the 60% marginal-rate trap caused by the Personal Allowance taper.
Enter your salary and click Calculate.
This calculator provides estimates based on standard 2026/27 HMRC rates for England, Wales and Northern Ireland. It does not account for salary sacrifice, benefits in kind, Scottish rates or other individual adjustments. For a full analysis of your actual payslip, use our payslip checker.
£25,000 employee, 5% pension, no student loan
Roughly £20,920 net per year, around £1,743 per month, after £2,486 income tax, £994 NI and £1,250 pension. Effective deduction rate 16.3%.
£35,000 employee, 5% pension, Plan 2 student loan
Roughly £27,750 net per year, around £2,313 per month, after £4,486 income tax, £1,794 NI, £1,750 pension and £695 Plan 2 repayments.
£60,000 employee, 8% salary-sacrifice pension
Higher-rate threshold reached at £50,270. After 8% salary sacrifice (£4,800), taxable pay is £55,200. Net pay around £42,200, with marginal rate hitting 42% above the threshold.
£110,000 employee, Personal Allowance taper
Above £100k the Personal Allowance reduces by £1 for every £2 earned. At £110k, allowance falls to £7,570 and the effective marginal rate on the next pound spikes to 60%.