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.

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.