Take Home Pay Calculator
Type a salary to see what reaches your bank account each month in the 2026/27 tax year, and how much of it you keep.
Results
Enter a salary
| Item | A year | Share |
|---|
Take home pay a month
£0.00
- Take home pay a month
- £0.00
- Take home a year
- £0.00
- Take home a week
- £0.00
- Take home a day
- £0.00
- Share of gross you keep
- 0%
- Income tax a year
- £0.00
- National Insurance a year
- £0.00
- Loan repayments a year
- £0.00
- Pension taken from pay a year
- £0.00
- Your marginal rate
- 0%
- Made up of
- -
- Kept from your next £100
- £0
- Gross a year for the monthly take home you typed
- -
| Item | Year | Month | Week | Day |
|---|
Your data stays in your browser. Nothing is uploaded.
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
Take home pay is the part of a salary that lands in your account after payroll has taken its deductions. This page puts that figure first, as a monthly amount, because rent, bills and budgets run by the month. A ring shows how a year of gross pay splits between what you keep and what goes to income tax, National Insurance, a student loan and a workplace pension, with a table beside it holding the same figures. Below it sits your marginal rate: the share of a pay rise that goes in deductions, split into its parts. There is also a box that works the other way round. Type the monthly amount you want to take home and the page searches for the yearly gross that produces it with your settings. Every figure uses the gov.uk rates for 2026/27 and is worked out inside this browser tab.
How to use the Take Home Pay Calculator
- Enter your gross pay and say whether it is a yearly, monthly, weekly, daily or hourly amount.
- Tick the student loan plans you repay and the Scotland box if your main home is there.
- Check the pension percentage and how your scheme takes it, then read your monthly take home. Tip: The pension basis, working days and employer percentage sit in the settings.
- Look at the ring and the marginal rate to see where each pound of a pay rise goes.
- To plan for a target, type a monthly take home in the last box and read the gross it needs.
Worked example
A graduate in England earns £30,000 a year on tax code 1257L, repays a Plan 2 student loan and pays the auto enrolment 5% into a relief at source pension. They also want to know what salary would give them £2,500 a month.
| Input | Value |
|---|---|
| Gross pay | £30,000.00 a year |
| Region | England |
| Tax code | 1257L |
| Student loan | Plan 2 |
| Pension | 5% relief at source, qualifying earnings |
| Monthly take home wanted | £2,500.00 |
Income tax = (30,000 - 12,570) x 20% = 17,430 x 20% = 3,486.00 National Insurance = 17,430 x 8% = 1,394.40 (the same 17,430 is above the NI primary threshold) Plan 2 loan = (30,000 - 29,385) x 9% = 55.35, rounded down to 55.00 Pension = (30,000 - 6,240) x 5% = 1,188.00, of which 80% leaves pay: 950.40 Take home = 30,000 - 3,486.00 - 1,394.40 - 55.00 - 950.40 = 24,114.20 a year Per month 24,114.20 / 12 = 2,009.52; per week 24,114.20 / 52 = 463.73 Kept = 24,114.20 / 30,000 = 80.38% of gross Marginal rate = 20% tax + 8% NI + 9% student loan = 37%, so 63 of the next 100 pounds is kept Gross for 2,500.00 a month with the same settings = 39,976.09 a year
- Income tax
- £3,486.00
- National Insurance
- £1,394.40
- Student loan
- £55.00
- Pension from pay
- £950.40
- Take home a year
- £24,114.20
- Take home a month
- £2,009.52
- Take home a week
- £463.73
- Share kept
- 80.38%
- Marginal rate
- 37%
- Marginal rate parts
- 20% tax + 8% NI + 9% student loan
- Gross for £2,500 a month
- £39,976.09
Worked with the 2026/27 rates file, checked against gov.uk on 30 October 2026. The share kept counts the pension as a deduction, because it leaves your pay even though it stays your money.
How it is calculated
Take home = gross - income tax - employee NI - student loan - postgraduate loan - pension from pay
Share kept = take home / gross
Marginal rate = (deductions at gross + 100) - (deductions at gross), as a percent of 100
Monthly take home = yearly take home / 12; weekly = yearly / 52
Gross needed: bisect gross between 0 and 10,000,000 until monthly take home reaches the target
Everything starts from a full tax year. Pay typed for a month, week, day or hour is first turned into a yearly salary, each deduction is worked out once on that salary and rounded to the penny, and only the take home figure is then split into months and weeks. That is why the month column can be a penny away from a twelfth of the year.
Income tax uses the bands for where you live: three for England, Wales and Northern Ireland, six for Scotland. National Insurance takes 8% of pay between £12,570 and £50,270 and 2% above that. A Plan 2 loan takes 9% of pay above £29,385, and HMRC drops any pence from the yearly amount.
The ring is the year in one picture. Its teal arc is the take home pay and the clay arcs are the deductions, darkest for income tax. The arcs always add up to the gross salary to the penny, and the table next to the ring prints the same numbers with each one's share of gross, so nothing depends on reading a color.
The marginal rate answers a different question from the average one. It runs the whole calculation again with 100 pounds more gross and counts how much extra goes in tax, National Insurance and loan repayments. For most basic rate employees with a Plan 2 loan that is 37 pounds, so 63 reach the bank. Pension contributions are not counted in it, since a percentage contribution still belongs to you.
The search for a gross salary runs in the page and uses the same calculation. It starts with a range from zero to ten million pounds, checks the middle, and keeps the half that still contains the target, about thirty times. The result is the smallest yearly gross that gives at least the monthly amount you typed, and the page checks that it lands within 50 pence of it.
Higher rate relief on pension contributions, claimed through Self Assessment, and deductions that are not set by law are outside this calculation.
Frequently asked questions
What counts as take home pay here?
It is gross pay less five things: income tax, employee National Insurance, a student loan plan, a postgraduate loan and the pension your employer takes from your pay. Anything paid on top of your salary, such as the employer's own pension contribution, is left out because it never passes through your account. Deductions this page does not know about, such as a union fee, a season ticket loan or a cycle scheme, would lower the payslip figure further.
Why is my marginal rate higher than my tax band?
The marginal rate adds up everything taken from the next 100 pounds of pay, not just income tax. A basic rate taxpayer repaying a Plan 2 loan loses tax, National Insurance and the loan percentage on a rise, so the total is well above the band rate. Between £100,000 and £125,140 the withdrawal of the personal allowance pushes it higher still. The card under the ring lists each part.
How does the box that finds a gross salary work?
It tries salaries between zero and ten million pounds a year, halving the range each time, and keeps every other setting you chose. After about thirty steps it lands on the lowest whole penny of yearly gross whose monthly take home reaches your target. If even the top of the range falls short, it says that no salary in range reaches the amount. Student loans round down to the pound, so the match can be a few pence out.
Why does the pension slice look smaller than my contribution?
In a relief at source scheme you pay 80% of the contribution from take home pay and the provider adds the other 20% as basic rate tax relief claimed from HMRC. The ring shows only what leaves your pay, so a 5% contribution looks like 4%. A net pay or salary sacrifice scheme takes the full amount, but it comes out before tax, so your income tax slice shrinks to match.
Does the ring include my employer's pension contribution?
No. The ring divides your gross pay between the money you keep and the money deducted from it, so it always adds up to the salary you typed. The employer's contribution is paid on top and goes straight into the pension pot, so it neither raises nor lowers what arrives in your bank account. The UK salary calculator on this site lists it with the employer's National Insurance as the cost of the job.
Guides for this tool
Salary after tax tables
Sources
- GOV.UK: Rates and thresholds for employers 2026 to 2027 Source page
- GOV.UK: Income Tax rates and allowances, current and past Source page
- GOV.UK: Budget 2026 overview of tax legislation and rates, Annex A Source page
- GOV.UK: Scottish Income Tax Source page
- gov.scot: Scottish income tax rates and bands 2026 to 2027 Source page
- GOV.UK: Collection of student loans from 6 April 2026 Source page
- GOV.UK: Repaying your student loan, what you pay Source page
- GOV.UK: Automatic enrolment earnings trigger and qualifying earnings band 2026/27 Source page
- GOV.UK: Automatic enrolment earnings trigger and qualifying earnings band (collection) Source page
- GOV.UK: Workplace pensions, what you, your employer and the government pay Source page
- GOV.UK: Blind Person's Allowance Source page
- GOV.UK: National Insurance after State Pension age Source page