UK Salary Calculator 2026/27

Enter a gross salary to see the income tax, National Insurance, student loan, pension and take home pay for the 2026/27 tax year.

Pay before any deductions, for the period chosen below.

Scottish income tax bands apply to pay from work. Wales and Northern Ireland use the England bands.

As printed on a payslip or P60, such as 1257L, S1257L, BR or K500.

A percent of qualifying earnings, with relief at source, unless you change the settings. Type 0 for no workplace pension.

Take home pay a year

£0.00

Take home a month
£0.00
Take home a week
£0.00
Take home a day
£0.00
Gross a year
£0.00
Gross a month
£0.00
Gross a week
£0.00
Gross a day
£0.00
Income tax a year
£0.00
National Insurance a year
£0.00
Student and postgraduate loans a year
£0.00
Pension from your pay a year
£0.00
Effective rate
0.00%
Marginal rate
0%
Employer National Insurance
£0.00
Employer pension
£0.00
Total cost to employer
£0.00

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For information only, not financial, tax or legal advice.

Last updated 2026-10-30. Method checked 2026-10-30. Rates checked 30 October 2026. Methodology

A UK salary goes through several deductions before it reaches a bank account. Income tax depends on the tax code and on whether you live in Scotland. National Insurance has its own thresholds. Student loan repayments start above a threshold set for each plan, and a workplace pension takes a share of pay unless you opt out. This calculator applies the HMRC and gov.uk figures for 2026/27 to any yearly, monthly, weekly, daily or hourly pay. It shows the take home pay for a year, a month, a week and a day, the deductions behind it, the rate you pay on your next pound, and what the job costs the employer once their own National Insurance and pension are added. A short table compares the result with 2025/26. Every calculation runs in this browser tab, and the rates file is part of the page.

How to use the UK Salary Calculator

  1. Type your gross pay and choose whether it is for a year, month, week, day or hour.
  2. Tick the Scotland box if you live there, and check the tax code against your payslip.
  3. Tick any student loan plans and the postgraduate loan you repay.
  4. Set your pension percentage and type, or type 0 if you have no workplace pension. Tip: The settings hold the days per week, the pension basis and the employer pension percentage.
  5. Read the take home pay, the breakdown, the band table and the comparison with last year, then copy or share the result.

Worked example

An employee in England earns £35,000 a year on tax code 1257L, has no student loan and pays the auto enrolment 5% into a relief at source pension on qualifying earnings, with 3% from the employer.

InputValue
Gross pay£35,000.00 a year
RegionEngland
Tax code1257L
Student loanNone
Pension5% relief at source, qualifying earnings
Employer pension3%
 
Taxable income = 35,000 - 12,570 = 22,430
Income tax = 22,430 x 20% = 4,486.00
National Insurance = (35,000 - 12,570) x 8% = 1,794.40
Qualifying earnings = 35,000 - 6,240 = 28,760
Pension = 28,760 x 5% = 1,438.00; 80% from pay = 1,150.40, tax relief claimed by the scheme = 287.60
Take home = 35,000 - 4,486.00 - 1,794.40 - 1,150.40 = 27,569.20
A month = 27,569.20 / 12 = 2,297.43; a week = 27,569.20 / 52 = 530.18; a day = 27,569.20 / 260 = 106.04
Effective rate = (4,486.00 + 1,794.40) / 35,000 = 17.94%; marginal rate = 20% tax + 8% NI = 28%
Employer NI = (35,000 - 5,000) x 15% = 4,500.00; employer pension = 28,760 x 3% = 862.80
Cost to the employer = 35,000 + 4,500.00 + 862.80 = 40,362.80
Income tax
£4,486.00
National Insurance
£1,794.40
Pension from pay
£1,150.40
Take home a year
£27,569.20
Take home a month
£2,297.43
Take home a week
£530.18
Take home a day
£106.04
Effective rate
17.94%
Marginal rate
28%
Employer National Insurance
£4,500.00
Employer pension
£862.80
Cost to the employer
£40,362.80

These figures use the 2026/27 rates file, last checked against gov.uk on 30 October 2026. The effective rate counts tax and National Insurance only, not the pension, because the pension is still your money.

How it is calculated

Yearly gross = pay x 1 (year), 12 (month), 52 (week), days a week x 52 (day) or hours a week x 52 (hour)
Pension = your % x qualifying earnings (£6,240 to £50,270) or x the whole salary
Taxable income = gross - salary sacrifice - net pay pension - personal allowance
Personal allowance = £12,570, less £1 for every £2 of income over £100,000
Income tax = 20% of taxable income up to £37,700, 40% up to £125,140, 45% above (six Scottish bands instead in Scotland)
Employee NI = 8% of pay from £12,570 to £50,270 + 2% above
Student loan = 9% of pay above the plan threshold, rounded down to the pound
Take home = gross - income tax - NI - loans - pension taken from pay
Employer cost = gross - salary sacrifice + 15% of pay above £5,000 + employer pension

The calculator works on a whole tax year. It turns the pay you enter into a yearly amount, works out every deduction on that amount, and only then divides the results into months, weeks and days. Each deduction is rounded to the penny once, so the take home figure is exactly the gross minus the rounded lines above it.

Income tax begins with the tax code. The standard code gives a personal allowance of £12,570, the part of pay that carries no tax. Once adjusted net income passes £100,000, the allowance shrinks by £1 for every £2 above that line, and none is left when income reaches £125,140. In that stretch the rate on the next pound climbs well above the higher rate, which the result spells out. Pension contributions lower adjusted net income, so they can restore some of the allowance.

Scotland sets its own bands for income from work. Ticking the Scotland box, or typing a code that starts with S, switches the band table to the six Scottish bands, while the allowance, National Insurance, student loans and pensions stay the same across the UK. A code starting with C belongs to Wales, which has kept the England bands.

National Insurance is charged on pay after salary sacrifice but before a net pay pension, and stops at State Pension age. A student loan takes 9% of pay over the threshold of the plan with the lowest threshold you hold, while a postgraduate loan takes 6% over its own threshold on top. HMRC rounds both down to a whole pound.

The pension starts at the auto enrolment minimum of 5% from you and 3% from the employer on qualifying earnings. With relief at source, pay is cut by 80% of the contribution and the provider claims basic rate relief from HMRC for the rest. A net pay scheme takes the whole contribution before tax, and salary sacrifice lowers National Insurance as well. Extra relief that higher rate payers claim through Self Assessment is not included.

The employer figures add employer National Insurance and the employer pension to the salary. Employment Allowance is left out because it is set against an employer's whole payroll rather than one person.

Frequently asked questions

How is UK take home pay worked out from a salary?

The calculator turns your pay into a yearly figure, then takes off income tax, employee National Insurance, any student or postgraduate loan repayments and your pension contribution. What is left is the take home pay. Each deduction is worked out on the whole year and rounded to the penny once, and the monthly, weekly and daily figures divide the yearly result by 12, by the weeks in a year and by the working days.

Why can my payslip differ from this result?

An employer runs PAYE one pay period at a time, using free pay tables and period thresholds that do not divide the yearly limits exactly. Over a year of steady pay the gap is usually a few pounds. Bonuses, overtime, a change of tax code part way through the year or an emergency code such as 1257L M1 can widen it, because the calculator assumes the same pay in every period.

Which tax code goes in the tax code box?

The code printed on a recent payslip, a P60 or the HMRC app. Most employees have 1257L, with an S in front in Scotland or a C in Wales. Codes such as BR, D0, NT, 0T and K codes are understood too. When the box holds a code the calculator cannot read, it says so and uses 1257L instead, so the result still shows.

What happens when I tick two student loan plans?

HMRC collects one plan repayment at a time, at the lowest threshold of the plans you hold, so only one plan deduction is shown and the row names the plan used. A postgraduate loan is separate and is collected on top at its own rate. Repayments are rounded down to the whole pound, which is why the student loan line never shows pence.

What does the cost to the employer include?

It adds employer National Insurance and the employer pension contribution to the gross salary, less any salary you give up through salary sacrifice. Employer National Insurance is charged at 15% on pay above £5,000 a year. Employment Allowance can cut an employer's total bill but belongs to the whole payroll, so it is mentioned under the result rather than taken off.

Guides for this tool

Salary after tax tables

Related tools

Sources