UK Take-Home Pay Calculator (2026/27)
Estimate your 2026/27 take-home pay in the UK. Enter your gross annual salary and we break down Income Tax (PAYE) and National Insurance so you can see what actually reaches your bank account.
Enter your salary to see the breakdown.
Estimate for England/Northern Ireland tax bands, personal allowance £12,570 and Class 1 employee National Insurance (2026/27). Scotland has different bands. Student loan, pension and other deductions are not included. Not tax advice.
How the calculation works
The personal allowance (£12,570) is tax-free; it tapers away by £1 for every £2 you earn above £100,000. Income above the allowance is taxed at 20% (basic), 40% (higher, above £50,270) and 45% (additional, above £125,140).
Employee National Insurance is 8% on earnings between £12,570 and £50,270, then 2% above £50,270.
Take-home pay is your gross salary minus Income Tax and National Insurance.
Worked example: a £35,000 salary
On a gross salary of £35,000, the calculator returns £4,486 of Income Tax and £1,794 of National Insurance, leaving £28,720 a year, or £2,393 a month. That is an effective deduction rate of 17.9%, before pension or student loan.
What is taken out of UK pay
- Income Tax (PAYE)
- For 2026/27 the personal allowance is £12,570, then 20% up to £50,270, 40% up to £125,140 and 45% above. The allowance falls by £1 for every £2 of income above £100,000. Scotland sets its own rates.
- Employee National Insurance
- Class 1 contributions: 8% on earnings between the primary threshold and the upper earnings limit, and 2% above it, for employees in the standard category.
- Employer contributions
- Employers pay secondary Class 1 National Insurance on top of your salary. It is a business cost and does not come out of your pay.
Sources
Last reviewed: September 2026
Frequently asked questions
Does this cover Scotland?
No. Scotland has its own income tax bands. This uses the England/Northern Ireland/Wales bands as a baseline.
Are pensions and student loans included?
No. Workplace pension contributions and student loan repayments would reduce take-home pay further and are not included.
Is this my monthly payslip figure?
It's a close annual estimate. PAYE is applied cumulatively across the year, so individual months can vary slightly.
How do I calculate take-home pay in the UK?
Take your gross salary and subtract Income Tax and employee National Insurance. The calculator above does both for the 2026/27 tax year and shows the yearly and monthly result.
How much tax do I pay on my salary in the UK?
Nothing on the first slice covered by your personal allowance, then 20% on the basic-rate band, 40% on the higher-rate band and 45% above that. The calculator applies each rate only to its own slice of income.
What is the difference between PAYE and National Insurance?
PAYE is how your employer collects Income Tax from each payslip, while National Insurance is a separate contribution that builds your state pension entitlement. Both come out of your gross pay.
Why does take-home pay drop faster above £100,000?
Because your personal allowance is withdrawn by £1 for every £2 above that level, which raises your effective tax rate for that stretch of income.
What does the employer pay on top of my salary?
Employers pay their own secondary Class 1 National Insurance on your earnings, plus pension contributions where a workplace scheme applies. Neither is deducted from your take-home pay.
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