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Take-Home Pay Calculator

Estimate your net pay after income tax and employee National Insurance for the 2026/27 tax year (England, Wales & Northern Ireland).

Inputs

GBP
%
Uses 2026/27 rates: personal allowance £12,570 (tapered above £100,000), income tax 20/40/45%, employee NI 8% then 2% above £50,270. Salary-sacrifice pension reduces both taxable pay and NI. Scotland has different income tax bands. Student loan and other deductions are not included.

Monthly Take-Home Pay

After income tax & National Insurance
£0

How take-home pay works

Your take-home (net) pay is your gross salary minus income tax and employee National Insurance, deducted at source through PAYE. Income tax is charged at 20% above your personal allowance, 40% above £50,270 and 45% above £125,140. National Insurance is 8% on earnings between £12,570 and £50,270, then 2% above.

Between £100,000 and £125,140 your personal allowance is withdrawn at £1 for every £2 earned, creating an effective 60% marginal rate on that band. Pension contributions made by salary sacrifice lower your taxable pay (and NI), so they increase take-home efficiency relative to the tax saved. This estimate excludes student loan repayments, the marriage allowance and other adjustments.

FAQ

Is this monthly or annual?
The headline figure is monthly take-home; the breakdown also shows the annual net, total tax and total NI.
Does it cover Scotland?
No. These are England, Wales & Northern Ireland rates. Scotland has additional income tax bands, so Scottish take-home differs.
What about student loans?
Not included. Student loan repayments (Plan 1/2/4/5 or postgraduate) are deducted separately based on income above each plan's threshold.
How does pension help?
Salary-sacrifice pension contributions reduce the salary on which tax and NI are charged, so your overall deductions fall.