UK Salary Calculator
A clear estimate of your take-home pay after Income Tax and employee National Insurance, using the 2026/27 UK rates. Compare annual, monthly and hourly figures without handing over your personal details.
How this UK salary calculator works
Enter your gross annual salary and the calculator estimates Income Tax and employee Class 1 National Insurance for the 2026/27 tax year. It also lets you model a workplace pension contribution and salary sacrifice, because the headline salary is not the same as the amount that reaches your bank account.
What is not included
This is a planning estimate, not a payslip. It does not include student loan repayments, benefits in kind, bonuses, taxable benefits, child benefit tax charge, company car tax, multiple jobs, Marriage Allowance, tax-code adjustments or irregular pay. Pension contributions are modelled as a percentage of gross salary and salary sacrifice is treated as reducing taxable pay. Your employer's payroll and HMRC tax code take priority.
Annual salary is not the whole story
When comparing a job offer, look beyond the number on the advert. Pension matching, employer National Insurance savings passed into your pension, holiday, bonus rules, childcare support and commuting costs can change the real value. If you are comparing a new salary with a monthly budget, use the monthly figure above, then keep a margin for deductions that vary.
For official guidance, see GOV.UK Income Tax rates, National Insurance rates and the MoneyHelper pension guidance. If you are self-employed, this employee calculator is not the right tool for your tax return.
About the 2026/27 figures
The allowances and thresholds are reviewed against official government publications. Tax rules can change, and payroll systems may apply them slightly differently through the year. We show the assumptions openly so you can spot when a result needs checking rather than hiding them behind a single impressive number.
Frequently asked questions
Is this salary calculator accurate?
It uses the published 2026/27 UK Income Tax and employee National Insurance rates and a straightforward annual estimate. It will be close for a standard single job, but your tax code, pension setup, student loan, benefits and payroll timing can change the payslip figure.
What is the Personal Allowance?
The standard Personal Allowance is £12,570, meaning the first £12,570 of adjusted net income is normally tax-free. It tapers away by £1 for every £2 of adjusted net income above £100,000, disappearing at £125,140.
Does pension reduce take-home pay?
Yes, your own contribution normally reduces the amount reaching your bank account, but it can also reduce the income on which tax is charged. The exact effect depends on whether your employer uses relief at source, net pay or salary sacrifice.
Why is Scottish take-home pay different?
Scotland has its own Income Tax bands and rates, while employee National Insurance remains a UK-wide system. The Scottish result is still an estimate and does not model every Scottish relief or adjustment.
Does this include student loan repayments?
No. Student loan plans have different thresholds and repayment rates, so adding them without knowing your plan can mislead. Check your plan on GOV.UK and subtract the expected repayment from the result.