How do I calculate my take-home pay in the UK?

Subtract income tax, National Insurance, and pension contributions from your gross salary. Tax is calculated on earnings above the personal allowance using the relevant PAYE tax bands.

What percentage of my gross salary will I take home?

A typical UK employee takes home around 70-80% of their gross salary, depending on their tax band. Higher earners take home a smaller percentage due to higher marginal tax rates.

Does my tax code affect my net pay?

Yes, your PAYE tax code determines your tax-free personal allowance. An incorrect tax code can significantly change your net pay, so always verify it matches your circumstances.

Gross to Net Calculator UK

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Rates and sources, 2026/27

2026/27 England/Wales/NI income tax and Category A employee NI, with optional personal-allowance and NI-threshold overrides.

Source: HMRC — 2026/27 employer rates and thresholds. Source checked for 2026/27.

When to use this calculator

Before accepting a pay change, bonus, pension contribution or salary-sacrifice option.
When you want a simple take-home estimate before payroll or filing.
When you are approaching the £100,000 income level and want to see the personal allowance taper.
When you need to convert between hourly, monthly and annual pay.

A worked example

These are the example figures the calculator opens with.

A worked example
Input	Value
Gross Salary (£)	£30,000
Personal Allowance (£)	£12,570
NI Threshold (£)	£12,570

For those figures the calculator returns:

Result: 25,119.60

Method & assumptions

This UK calculator estimates annual net pay for 2026/27 by applying the Personal Allowance you enter, the Income Tax bands for England, Wales and Northern Ireland, and Category A employee National Insurance using the annual thresholds entered. It includes the Personal Allowance taper above £100,000.

It does not include pension contributions, student loans, Scottish Income Tax, tax-code adjustments, benefits or multiple jobs. Payroll deductions are calculated per pay period, so this annual estimate can differ from a payslip. Use the fuller Salary After Tax calculator for additional deductions.

Common mistakes

Entering gross income when you really want take-home pay, or vice versa.
Ignoring pension contributions, deductions or local tax rules that change the result.
Comparing monthly and annual figures without standardising them first.
Overlooking National Insurance or student-loan plan differences that apply to you.

What to do next

Check the same scenario with related pay or deduction calculators.
Keep a copy of the assumptions so you can compare the next tax year or pay period.
If you are self-employed, compare this result with the self-employment tax calculator.
Check whether a small pension contribution change moves take-home pay more than you expect.

Questions people ask

Gross salary is your total pay before any deductions. Net salary (take-home pay) is what you receive after income tax, National Insurance, pension contributions, and other deductions.