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UK / Take-home pay calculator

UK take-home pay calculator (2026/27)

A quick estimate of what lands in your bank each month. Uses public 2026/27 PAYE, NI and student-loan rules. Educational guidance only - verify with payroll or HMRC.

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Last reviewed How we calculate thisReport an error on this page

The three arrangements produce three different payslips for the same contribution. Your payslip or scheme paperwork says which one you are on.

Take-home estimate (monthly)

£2,354.14

  • Period gross£3,000.00
  • PAYE− £365.70
  • National Insurance− £156.16
  • Pension− £124.00

Annual take-home estimate: £28,249.20 · £1,488.00 a year into the pension. Educational guidance only - verify with your payroll team or HMRC.

Assumes 5% of qualifying earnings (£6,240–£50,270) under a net-pay arrangement, so it comes out of gross pay before income tax but not before National Insurance.

Does your real payslip not match this estimate?

A calculator is generic. Your payslip is specific. Run a free PayslipIQ check on your actual figures to see where the gap is and what to ask payroll.

Run free PayslipIQ check

Not on sale yet

A written version is coming

The £19 Pro Report will be a PDF with the per-line explanation, anomaly flags, questions for payroll and verification steps - for a payroll query, a mortgage file or your own records. It has not launched; you can ask to be told when it does.

See what it will includePreview the report

What to ask payroll next

Use these as starting points. PayslipIQ provides educational estimates only.

  • Is my tax code applied on a cumulative or Month-1 basis this period?
  • Have all P45 / P46 inputs from any previous job been processed?
  • Are taxable benefits in kind (BIK) included in my taxable pay this period?
  • Which pension scheme type am I in - net-pay, relief-at-source or salary sacrifice?

What this calculator does not do

  • Account for taxable benefits-in-kind (BIK) reported via P11D.
  • Model year-to-date or non-cumulative (W1/M1) coding - it assumes a full year on the code you enter.
  • Check your pension against the annual allowance, or advise on whether to sacrifice. It shows what each arrangement does to one year's pay, nothing more.
  • Replace your real payslip - for that, run a free PayslipIQ check.