Find out exactly what you'll take home after tax. Enter your gross salary and our calculator will instantly show your Income Tax, National Insurance, and net pay — broken down by year and pay period.
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Your take-home pay is your gross salary minus three main deductions: Income Tax, National Insurance (NI), and any voluntary deductions like pension contributions or student loan repayments.
Income Tax is calculated on your earnings above the Personal Allowance — £12,570 for 2026/27.
The rates are:
20% on earnings between £12,571 and £50,270 (basic rate)
40% on earnings between £50,271 and £125,140 (higher rate)
45% on earnings above £125,140 (additional rate)
Scottish taxpayers pay different rates set by the Scottish Parliament.
National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% on anything above that.
The standard Personal Allowance is £12,570. This is the amount you can earn each year before paying any Income Tax. It's the same as it was in 2025/26, as the government has frozen the allowance until 2028.
If you earn over £100,000, your Personal Allowance is gradually reduced — losing £1 for every £2 earned above that threshold. It reaches zero at £125,140.
Here are some quick reference figures for common salaries in 2026/27:
Income Tax — collected by HMRC and funds public services like the NHS, schools, and roads. Your employer deducts it automatically through the PAYE (Pay As You Earn) system.
National Insurance (NI) — contributions that go towards your State Pension entitlement, statutory sick pay, and maternity/paternity benefits. Both you and your employer pay NI.
Student Loan — if you took out a student loan, repayments begin automatically once your earnings pass a threshold. Plan 1 starts at £22,015, Plan 2 at £27,295, Plan 4 (Scotland) at £27,660, and Postgraduate at £21,000.
Pension — if you're enrolled in a workplace pension, your contribution is deducted before National Insurance is calculated, which reduces your taxable pay.
Your tax code tells your employer how much Personal Allowance you're entitled to. The most common code is 1257L, which corresponds to the standard £12,570 allowance.
If your code is wrong — which HMRC estimates affects around 1 in 10 people — you could be paying too much or too little tax. Common reasons for the wrong code include starting a new job, having multiple jobs, or receiving employee benefits like a company car.
From April 2026, Scottish taxpayers pay the following rates (on top of the £12,570 Personal Allowance):
19% (starter rate): £12,571 to £14,876
20% (basic rate): £14,877 to £26,561
21% (intermediate rate): £26,562 to £43,662
42% (higher rate): £43,663 to £75,000
45% (advanced rate): £75,001 to £125,140
48% (top rate): above £125,140
Our calculator handles Scottish rates automatically — just select Scotland from the region dropdown.
What does this calculator include?
It calculates Income Tax, National Insurance, student loan repayments (Plans 1, 2, 4 and Postgraduate), and pension contributions. It covers England, Wales, Northern Ireland, and Scotland, and supports multiple pay frequencies — annual, monthly, weekly, daily, and hourly.
Is this calculator accurate for 2026/27?
Yes. It's updated with the latest HMRC rates and thresholds for the 2026/27 tax year, including the frozen Personal Allowance of £12,570 and the current NI rates of 8% and 2%.
Can I use this if I'm paid weekly or monthly?
Yes — enter your salary as a weekly or monthly figure and the calculator will convert it to an annual amount for the calculation, then show your results broken down by your actual pay period.
I earn over £100,000 — will it still work?
Yes. The calculator automatically tapers your Personal Allowance for earnings above £100,000, reducing it by £1 for every £2 over the threshold.
What's the difference between gross and net pay?
Gross pay is your salary before any deductions. Net pay (take-home pay) is what you actually receive after Income Tax, National Insurance, and any other deductions have been taken off.
Can I create a payslip from my results?
Yes — once you've calculated your pay, click the "Create your payslip or P60 now" button to generate a professional payslip or P60 document based on your figures. Free sample available, pay only when you're happy.
Does this work for self-employed people?
This calculator is designed for PAYE employees. If you're self-employed, your tax is calculated differently through Self Assessment. We'd recommend speaking to an accountant for an accurate figure.
Is my data stored or shared?
No. All calculations happen in your browser.
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