Continue your plan
Useful next calculations
Rates & sources2026/27
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 realistic UK planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Gross Salary (£) | £35,000 |
| Personal Allowance (£) | 12570 |
| NI Threshold (£) | 12570 |
After entering these figures, focus on result first and then rerun the tool with a more cautious assumption.
How to read your results
Result
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
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.
Frequently asked
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