How UK take-home pay is worked out
Your gross salary is reduced by income tax (after the personal allowance), National Insurance, any student loan repayment, and your pension contribution to arrive at net take-home pay.
Thrivelance Tools
UK Salary Calculator 2026/27
Work out your take-home pay after income tax, National Insurance, student loan, and pension contributions for the 2026/27 tax year. Supports rUK and Scottish tax rates.
Enter your details
Results update automatically across annual, monthly, and weekly periods.
| Breakdown | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross salary | |||
| Income tax | |||
| National Insurance | |||
| Student loan | |||
| Pension | |||
| Take home pay |
Effective tax rate
Marginal tax rate
Income tax bands 2026/27
- 0% on the first £12,570 (personal allowance).
- 20% basic rate up to £50,270.
- 40% higher rate up to £125,140.
- 45% additional rate above £125,140.
Student loan plans
Repayments are 9% of income above your plan's threshold (6% for postgraduate loans). Plan 1, 2, 4, and 5 each have different starting points.
Scottish rates
Scotland uses six income tax bands from 19% to 48%. Tick the Scottish box to switch the calculation; National Insurance is the same UK-wide.
Self-employed?
If you work for yourself, compare structures in the Sole Trader vs Limited Company Calculator, and plan your bill with the Tax Set-Aside Calculator.
FAQ
Common questions about this calculator.
How much tax will I pay on my salary in 2026/27?
After the £12,570 personal allowance, you pay 20% basic rate up to £50,270, 40% higher rate up to £125,140, and 45% above that. National Insurance and any student loan are charged on top.
What is the National Insurance rate for 2026/27?
Employees pay 8% on earnings between £12,570 and £50,270, then 2% on earnings above the upper earnings limit.
Does the calculator support Scottish tax rates?
Yes. Tick the Scottish rates box to apply Scotland's six income tax bands (19% to 48%). National Insurance is the same across the UK.
How does a pension contribution affect take-home pay?
Pension contributions reduce your taxable income and your net pay by the amount contributed. This estimate uses the relief-at-source model.