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.
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 checkOptional upgrade
Download this as a Pro Report
A clean PDF with the per-line explanation, anomaly flags, questions for payroll and verification steps - useful for a payroll query, a mortgage file or your personal records.
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.
- Apply Scottish or Welsh band overrides (use the wrong tax code checker for these).
- Model salary sacrifice strategy or annual-allowance planning.
- Replace your real payslip - for that, run a free PayslipIQ check.