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Useful next calculations
Rates & sources2026/27
2026/27 Income Tax bands for England, Wales and Northern Ireland, Category A employee NI thresholds, and student-loan repayment thresholds.
| Band / figure | Rate |
|---|---|
| Personal allowance | £12,570 |
| Basic rate (20%) | up to £50,270 |
| Higher rate (40%) | £50,271 – £125,140 |
| Additional rate (45%) | over £125,140 |
Source: GOV.UK — 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.
Example: turning a headline salary into take-home pay
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 |
| Estimated monthly net pay | Shown from the selected inputs |
| Pension contribution | 5% |
| Student loan setting | No student loan applied |
The real value here is seeing how the gap between gross and net pay changes the budget you can actually live on. That is often what makes a pay offer feel very different in practice.
How to read your results
Net Annual
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.
Monthly
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.
Tax
Review this figure alongside your gross income so you can understand deductions before the tax year closes. It is a planning estimate, not a filed return.
NI
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.
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
Method & assumptionsAuthoritative sources
This calculator estimates UK take-home pay using the 2026/27 Income Tax bands for England, Wales and Northern Ireland and Category A employee National Insurance thresholds. It assumes the standard Personal Allowance rules and PAYE employment, so it is not designed for Scottish Income Tax, self-employment, non-standard tax codes or multiple jobs. Pension contributions reduce taxable pay; selecting salary sacrifice also reduces the earnings used for this simplified NI estimate.
Student loan deductions use the 2026/27 annual thresholds for Plans 1, 2, 4 and 5. Payroll deductions are normally calculated per pay period, so rounding, bonuses, benefits and tax-code changes can make a payslip differ. Verify material decisions with HMRC, your payroll team or a qualified tax professional.
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.
Go deeper — 4 guides reference this calculator
UK Tax Year 2025/26: Complete Guide to Allowances, Bands & Thresholds
Full reference for the 2025/26 UK tax year — income tax bands, Personal Allowance, National Insurance, ISA allowance, pension limits, stamp duty changes.
UK Self-Employed Tax Guide: Self Assessment, Payments on Account, Allowable Expenses
How self-employed tax works in the UK — registering with HMRC, the Self Assessment deadline, payments on account, what you can claim, and Class 2/4 NI.
Pay Rise Calculator Guide: What a Gross Raise Becomes After Tax, NI and Pension
Turn a gross salary increase into a real take-home figure by checking tax, National Insurance, pension contributions and inflation together.
UK Tax Code Guide: 1257L, K Codes, Emergency Codes and What to Do
How to read a UK tax code, what common letters mean, why emergency codes happen, and how to check your payslip against the right net pay.
Frequently asked
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