Is this calculator up to date for 2026/27?

Yes. Bands and thresholds are set to HMRC's published 2026/27 figures. We update every April.

Does it work for Scottish taxpayers?

Not yet — Scotland uses different Income Tax bands. Select Plan 4 for the Scottish student loan plan, but Income Tax numbers here reflect England, Wales and NI.

Why does increasing my pension boost my take-home relative to gross?

Salary-sacrifice pension reduces both taxable pay and NI-able pay, so the effective 'cost' of every £1 into your pension is less than £1 out of your net pay.

Is my data saved anywhere?

No. Everything is computed in your browser. The share link encodes inputs into the URL only.

Is the UK Salary calculator free?

Yes — free to use, with no signup, no limits and no personal details required. The site is supported by advertising rather than subscriptions.

Is my data saved or sent anywhere?

No. Every calculation runs in your browser, so the numbers you type are never transmitted to us or stored on a server. Closing the tab discards them.

How accurate is the result?

The maths is exact for the inputs you give it. Accuracy in practice depends on those inputs matching your real situation — fees, rate changes and edge-case rules are the usual sources of difference. It is a planning tool, not financial advice.

Can I share or save my results?

Yes. Your inputs are stored in the page URL, so you can copy the link from the address bar (or use the share button) to bookmark a scenario or send it to someone else.

UK Take-Home Pay Calculator

See what actually lands in your bank each month after tax, NI, pension and student loan — updated for the 2026/27 tax year.

Your details

Annual gross salary

Tax year

Pension contribution

Student loan plan

Age

Net monthly take-home

£2,858

£34,300 per year

Income Tax

£6,036

National Insurance

£2,414

Pension

£2,250

Student Loan

£0

Where your gross salary goes

How this is calculated

Your take-home pay is your gross salary minus Income Tax, employee National Insurance (NI), pension contributions and student loan repayments. This calculator uses HMRC thresholds for the tax year you select.

Pension is treated as salary sacrifice — it's deducted before Income Tax and NI, which is why increasing your pension % lowers both. Student loan repayments are 9% (or 6% for Postgrad) of income above your plan's threshold.

Employees over State Pension age (66) don't pay National Insurance on employment income. The Personal Allowance tapers away by £1 for every £2 you earn above £100,000.

Estimates only, for guidance. Doesn't cover Scottish rates, benefits in kind, or Marriage Allowance. Always check your payslip against HMRC's official figures.

Who this calculator is for

This is aimed at employees and contractors who want a realistic figure for what actually lands in their bank account, rather than the headline salary on a job advert. It is useful when comparing two offers, checking whether a pay rise clears a tax threshold, or working out how a pension contribution changes your net pay.

Assumptions and accuracy

Figures use current published UK Income Tax and National Insurance thresholds and assume a standard tax code with no other taxable income. Real payslips can differ because of benefits in kind, salary sacrifice arrangements, adjusted tax codes, or Scottish and Welsh rates. Treat the result as a close estimate, not a payslip.