UK Take-Home Pay Calculator 2026/27 — Net Salary After Tax & NI
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.
How UK take-home pay is calculated in 2026/27
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 £29,385) and run at 9% above threshold (6% for the Postgraduate Loan).
Which pension arrangement are you on?
This is the single biggest thing a take-home calculator can get wrong about you, and there are three answers, not one.
- Net pay. Your employer takes the contribution out of gross pay before income tax is worked out, so you get relief at your own marginal rate, on the payslip, with nothing to claim. National Insurance is not reduced — HMRC assesses NICs on gross earnings before any pension deduction.
- Relief at source. You pay 80% of the contribution out of your net pay and your provider reclaims the other 20% from HMRC straight into the pot. PAYE runs on your full salary. If you are a higher or additional-rate taxpayer, the extra relief is yours to claim through Self Assessment or a tax-code change — it never appears on the payslip.
- Salary sacrifice. You give up the pay and your employer contributes it instead. For 2026/27 the sacrificed amount is outside both income tax and National Insurance, which is why it produces the largest take-home of the three.
The basis is a second, separate question. The auto-enrolment minimum is 5% of qualifying earnings — the slice of pay between £6,240 and £50,270 — but a scheme can be certified on basic or total pay instead, in which case “5%” means 5% of everything. At £35,000 that is a £312 difference in contribution before any tax is considered. Both controls are in the calculator; the defaults are the statutory auto-enrolment minimum, and they are stated next to every result.
Use the calculator below to test scenarios. The four worked examples beneath it are computed by the same engine, so they cannot drift from what the tool tells you.
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Enter your salary and click Calculate.
This calculator provides estimates based on standard 2026/27 HMRC rates for England, Wales and Northern Ireland on tax code 1257L. It does not account for benefits in kind, Scottish rates or other individual adjustments — for Scottish bands and other tax codes, use the full UK take-home calculator. Student-loan repayments start above each plan's threshold (Plan 2 at £29,385). For a full analysis of your actual payslip, use our payslip checker.
Worked scenarios for 2026/27
£25,000 employee, 5% of qualifying earnings, net pay, no student loan
£20,769 net a year, £1,731 a month, after £2,298 income tax, £994 NI and £938 pension. Effective deduction rate 16.92%.
£35,000 employee, 5% of qualifying earnings, net pay, Plan 2 student loan
£27,064 net a year, £2,255 a month, after £4,198 income tax, £1,794 NI, £1,438 pension and £505 of Plan 2 repayments. The tax, NI and pension lines are the ones /take-home/35000 publishes — same engine, same figures; only the student loan is extra.
£60,000 employee, 8% of salary — the three arrangements compared
Same salary, same 8% (£4,800 into the pot), three different payslips. Net pay: £42,477. Relief at source: £41,517 on the payslip, plus £960 of higher-rate relief to claim from HMRC separately. Salary sacrifice: £42,573, because the sacrificed pay escapes National Insurance as well as income tax.
£110,000 employee, Personal Allowance taper
Above £100k the Personal Allowance reduces by £1 for every £2 of adjusted net income. At £110,000 with a 5% net-pay pension the allowance is £8,671 rather than £12,570, take-home is £71,477, and the marginal rate on the next pound is 62%. A pension contribution is unusually powerful here because it restores allowance as well as saving tax.