Take-Home Pay Calculator
Salary after tax, NI, student loan & pensionRuns in your browser
| Yearly | Monthly | Weekly | |
|---|---|---|---|
| Gross salary | £30,000.00 | £2,500.00 | £576.92 |
| Tax-free allowance | £12,570.00 | £1,047.50 | £241.73 |
| Taxable income | £17,430.00 | £1,452.50 | £335.19 |
| Income tax | −£3,486.00 | −£290.50 | −£67.04 |
| National Insurance | −£1,394.40 | −£116.20 | −£26.82 |
| Take-home pay | £25,119.60 | £2,093.30 | £483.07 |
Of your next £100 of salary you would keep about £72.00.
Income tax by band
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Basic rate | 20% | £17,430.00 | £3,486.00 |
These are estimates based on 2026/27 rates and the inputs you give. Your actual position can differ (other income, benefits in kind, tax code changes, scheme rules). This is not financial or tax advice.
How it works
Formulas
Taxable income = gross pay − salary sacrifice − net-pay pension − personal allowancePersonal allowance £12,570, reduced by £1 per £2 of income above £100,000.
Income tax (England, Wales, NI) = 20% of the first £37,700 + 40% up to £125,140 + 45% aboveBands apply to taxable income, after the allowance.
Employee NI = 8% × (pay between £12,570 and £50,270) + 2% × (pay above £50,270)Student loan = 9% × (pay − plan threshold); postgraduate loan = 6% × (pay − £21,000)2026/27 thresholds: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000.
Take-home = gross − income tax − NI − student loans − pensionRelief-at-source pension is taken from net pay at 80% of the gross contribution.
Worked example
Input: £30,000 a year in England, no pension, no student loan.
- Taxable income: £30,000 − £12,570 = £17,430.
- Income tax: 20% × £17,430 = £3,486.
- National Insurance: 8% × (£30,000 − £12,570) = £1,394.40.
- Take-home: £30,000 − £3,486 − £1,394.40 = £25,119.60.
Result: £25,119.60 a year, £2,093.30 a month.
Reading the result
- The marginal rate shows how much of your next £100 of pay goes in deductions. Between £100,000 and £125,140 it is about 62% in England because the personal allowance is withdrawn.
- Student loan repayments are worked out on pay after salary sacrifice but before a net-pay pension.
Limits
- Assumes one PAYE job for the whole 2026/27 tax year. Pay-period rounding on real payslips can change monthly figures by a few pence.
- Does not include benefits in kind, the High Income Child Benefit Charge, Marriage Allowance or Blind Person's Allowance unless they are reflected in the tax code you enter.
- Employer pension contributions and employer National Insurance are not part of take-home pay and are not shown.
Sources
- HMRC – Rates and thresholds for employers 2026 to 2027
- GOV.UK – Income Tax rates and Personal Allowances
- GOV.UK – Scottish Income Tax
- GOV.UK – National Insurance rates and categories
- GOV.UK – Repaying your student loan: what you pay
- GOV.UK – Tax on your private pension contributions (tax relief)
- GOV.UK – Workplace pensions: what you, your employer and the government pay
- GOV.UK – Tax codes
How to use
- 1Enter your gross salary and choose whether it is per year, month, week, day or hour.
- 2Pick where you live: Scotland has its own income tax bands.
- 3Add your pension percentage and type, and any student or postgraduate loan.
- 4Optionally enter the tax code from your payslip (for example 1257L) for a closer match.
- 5Read your take-home pay per year, month and week, and the tax paid in each band.
FAQ
What is the personal allowance for 2026/27?
£12,570. It is reduced by £1 for every £2 of adjusted net income over £100,000, so it is zero from £125,140. The allowance and the higher-rate threshold are frozen until April 2031.
How much National Insurance will I pay in 2026/27?
Employees pay Class 1 NI of 8% on earnings between £12,570 and £50,270 a year and 2% above £50,270. Nothing is due over State Pension age.
Why is my payslip slightly different?
Payroll works out tax and NI each pay period, not once a year, and HMRC payroll tables round amounts. Benefits in kind, a non-standard tax code, overtime or bonuses in one month also change a single payslip. Over a full year the totals should be close to this estimate.
Do you include Scottish income tax?
Yes. Choose Scotland (or enter a tax code starting with S) and the six Scottish bands for 2026/27 are used: 19%, 20%, 21%, 42%, 45% and 48%. National Insurance is the same across the UK.
Which pension type should I choose?
Most workplace schemes use relief at source (the provider adds 20% tax relief) or a net pay arrangement (contributions taken before tax). Salary sacrifice means your contractual salary is reduced, saving NI too. Your payslip or pension provider will say which you have.