UK Take-Home Pay Calculator
Work out your UK salary after Income Tax, National Insurance, pension and student loan repayments for 2026/27.
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Quick Tip
Enter your annual salary before tax.
About This Tool
Why use UK Take-Home Pay Calculator?
This UK salary calculator shows your take-home pay for the 2026/27 tax year after Income Tax, employee National Insurance, pension contributions and student loan repayments. It uses the GOV.UK rates for England, Wales and Northern Ireland, and the separate Scottish Income Tax bands.
Example: on a £35,000 salary in England with a 5% salary sacrifice pension, £1,750 goes to your pension, leaving £33,250 of pay. After the £12,570 Personal Allowance, Income Tax is £4,136 and National Insurance is £1,654.40. Take-home pay is £27,459.60 a year, about £2,288.30 a month.
Key Benefits
2026/27 tax year
Personal Allowance of £12,570, the 20%, 40% and 45% bands, and National Insurance at 8% between £12,570 and £50,270 then 2% above.
Scotland supported
Applies the six Scottish bands from the 19% starter rate to the 48% top rate for Scottish taxpayers.
Student loans included
Plan 1, 2, 4 and 5 repayments at 9% over each threshold, plus Postgraduate Loan repayments at 6% over £21,000.
How to use UK Take-Home Pay Calculator
- 1
Enter your annual salary before tax.
- 2
Choose England, Wales or Northern Ireland, or Scotland, because Scottish Income Tax bands are different.
- 3
Add your pension contribution if it is taken through salary sacrifice.
- 4
Select your student loan plan and whether you repay a Postgraduate Loan.
- 5
Review monthly, weekly and yearly take-home pay and the full deduction breakdown.
Best use cases
Check what a pay rise or new job means for your monthly budget.
See how much a higher salary sacrifice pension really costs you in take-home pay.
Understand the effect of the Personal Allowance taper between £100,000 and £125,140.
Plan rent or mortgage payments from your real monthly income.
How this tool compares
UK Take-Home Pay Calculator FAQs
How much tax do I pay on £30,000 in the UK?
In England, Wales or Northern Ireland in 2026/27, a £30,000 salary with no pension or student loan pays £3,486 Income Tax and £1,394.40 National Insurance, leaving £25,119.60 a year or about £2,093.30 a month. A Scottish taxpayer on the same salary pays £3,451.07 Income Tax.
What is the 60% tax trap?
Between £100,000 and £125,140, your Personal Allowance falls by £1 for every £2 you earn above £100,000. Combined with the 40% higher rate, this creates an effective 60% Income Tax rate in that range. Salary sacrifice pension contributions can reduce income back below £100,000.
Does pension salary sacrifice reduce National Insurance?
Yes. Salary sacrifice lowers your contractual pay, so both Income Tax and National Insurance are calculated on the reduced amount. Contributions made through relief at source or a net pay arrangement are treated differently, so check your payslip.
When do student loan repayments start?
Repayments are 9% of income above your plan threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5 in 2026/27. Postgraduate Loans are repaid at 6% above £21,000, on top of any undergraduate plan.
Why might my payslip differ from this estimate?
Your tax code, benefits in kind, overtime, bonuses and emergency tax codes all change what is deducted each month. This calculator assumes a standard 1257L tax code applied evenly over the year.
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