United Kingdom / Salary
UK Take-home Pay Calculator: 2026/27 and 2025/26
Turn gross salary into annual, monthly and weekly take-home estimates for England, Wales, Northern Ireland or Scotland, with tax, pension, NI and student loans.
UK Take-home Pay Calculator: 2026/27 and 2025/26: Enter your salary and see your take-home pay for the 2026/27 tax year (or 2025/26) after Income Tax and National Insurance, yearly, monthly and weekly. It covers Scottish tax bands, your tax code, pension contributions (relief at source, net pay or salary sacrifice), student and postgraduate loans, the Blind Person's Allowance, and the personal allowance taper above £100,000. Runs 100% locally in your browser with zero server file uploads.
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Compare your annual pay with the amount left after tax, pension and loan repayments.
Enter the gross pension percentage of your full salary. With relief at source you pay 80% of that contribution; the provider claims 20%. The tax estimate includes additional relief you may need to claim from HMRC. Pension annual-allowance charges and low-earner net-pay top-up payments are excluded.
| Item | Yearly | Monthly | Weekly |
|---|---|---|---|
| Gross salary | £50,000.00 | £4,166.67 | £961.54 |
| Income Tax after pension relief | £7,486.00 | £623.83 | £143.96 |
| Employee National Insurance | £2,994.40 | £249.53 | £57.58 |
| Student and postgraduate loans | £0.00 | £0.00 | £0.00 |
| Pension paid from salary | £0.00 | £0.00 | £0.00 |
| Take-home pay | £39,519.60 | £3,293.30 | £759.99 |
Annual pension credited: £0.00, including provider relief of £0.00.
Marginal rate is the share of the next pound going to tax, NI, loans and your selected pension contribution, before rounding.
How this estimate works
The annual view computes directly from annual thresholds, with Income Tax rounded down to pennies. Monthly figures are annual figures divided by 12; weekly figures are divided by 52. This does not reproduce cumulative payroll tables. Payslips can differ by pennies; period-based NI and whole-pound loan deductions can cause larger differences, especially with bonuses or uneven pay.
Numeric L codes mean the number × £10 before the £100,000 taper in this model. Do not enter a code already reduced for that taper. BR, D0 and D1 use flat rates of 20%, 40% and 45%; 0T has no allowance and NT has no Income Tax. Blind person’s allowance is added only to L codes. Omit S or C from an L code and select the region. Scottish SD codes, K codes and emergency codes are not supported.
This assumes one salary, ordinary employee Class 1 NI, eligibility for pension relief and no other income or benefits. Salary sacrifice must meet minimum-wage rules. Wales uses the same Income Tax bands and rates as England in both selected years.
An estimate for planning, not tax advice; use HMRC’s Estimate your Income Tax service for the official calculation.
Income Tax, Scotland, Wales and National Insurance
HMRC, Rates and thresholds for employers 2026 to 2027: https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027 . Prior year: https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2025-to-2026 . These tables give the Scottish bands, employee Class 1 NI and loan thresholds. Wales matches England and Northern Ireland in both years.
HMRC, Income Tax rates and Personal Allowances: https://www.gov.uk/income-tax-rates . The standard allowance is £12,570, reduced by £1 for each £2 of adjusted income above £100,000. Rates and allowances, National Insurance contributions: https://www.gov.uk/government/publications/rates-and-allowances-national-insurance-contributions/rates-and-allowances-national-insurance-contributions .
HMRC, Blind Person’s Allowance: https://www.gov.uk/blind-persons-allowance/what-youll-get . The extra allowance is £3,250 in 2026/27 and £3,130 in 2025/26. Tax-code meanings: https://www.gov.uk/tax-codes/what-your-tax-code-means . Numeric codes here represent a pre-taper allowance; K and emergency codes are outside this estimate.
Pension relief and student loans
HMRC, Tax on your private pension contributions: https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief . Relief at source adds 20% to the gross contribution through the provider; higher-rate relief may require a claim. Worked example: £60,270 income, £12,000 pension contribution and £2,000 additional relief. HMRC provider example, £80 paid towards £100 gross: https://www.gov.uk/guidance/pension-administrators-reclaim-tax-relief-using-relief-at-source .
HMRC Pensions Tax Manual PTM044220 (relief at source): https://www.gov.uk/hmrc-internal-manuals/pensions-tax-manual/ptm044220 . PTM044230 (net pay): https://www.gov.uk/hmrc-internal-manuals/pensions-tax-manual/ptm044230 . Salary sacrifice for employers: https://www.gov.uk/guidance/salary-sacrifice-and-the-effects-on-paye . Scottish basic and higher band extensions are explained in SI 2018/459, paragraph 7.4: https://www.legislation.gov.uk/uksi/2018/459/pdfs/uksiem_20180459_en.pdf .
HMRC, Student loan and postgraduate loan repayment guidance for employers: https://www.gov.uk/guidance/special-rules-for-student-loans . The pay-interval illustration gives £16 weekly on £700 and £50 monthly on £2,800, with £18 still due after two weekly deductions. Plan 5 starts repayment on 6 April 2026: https://www.gov.uk/government/publications/employer-bulletin-february-2026/february-2026-issue-of-the-employer-bulletin .
Annual estimate and official calculator
Annual amounts use annual thresholds; tax is rounded down to pennies. Monthly and weekly columns divide annual results by 12 and 52. They do not reproduce cumulative payroll tables or whole-pound student-loan deductions. Payslips can differ by pennies, or more with period-based NI, loan rounding or uneven earnings. HMRC PAYE Manual PAYE11090: https://www.gov.uk/hmrc-internal-manuals/paye-manual/paye11090 .
An estimate for planning, not tax advice; use HMRC’s Estimate your Income Tax service for the official calculation: https://www.gov.uk/estimate-income-tax .
How to use it
- Select the tax year and tax region.
- Enter your salary, frequency, tax code and pension method.
- Choose loan and allowance options, then compare the pay breakdown and marginal rate.
Privacy & limitations
Salary and choices stay in your browser. No financial information is uploaded.
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Frequently asked questions
Does this match my payslip exactly?
No. It uses annual thresholds, not cumulative PAYE tables. Payslips can differ by pennies, and more where NI periods, loan rounding, bonuses or uneven pay matter.
How is my pension percentage used?
It is the gross contribution as a percentage of full salary. Relief at source deducts 80% from your pay; provider relief supplies 20%. Additional tax relief is included in the estimate and may need an HMRC claim. Net pay reduces taxable salary; salary sacrifice also reduces NI and loan-assessable salary.
Which tax codes work?
Numeric L codes, BR, D0, D1, 0T and NT. Numeric codes mean number × £10 before taper; do not enter a code already reduced for taper. BR/D0/D1 use flat 20%/40%/45% rates. Select Scotland for Scottish bands on L or 0T codes. K, Scottish SD and emergency codes are not supported.
Why can the marginal rate exceed 40%?
Above £100,000 of adjusted income, the personal allowance falls by £1 for every £2. The standard taper produces a 60% Income Tax band outside Scotland and 67.5% in Scotland, before NI and loan repayments.
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