Educational use only. Not financial, investment, tax or legal advice.

Free UK Take Home Pay Calculator

Calculate exactly what you'll take home after tax, National Insurance, pension contributions, and student loan repayments for 2026/27.

Your Income Details

Exchanged salary for pension or other benefits

Your Take Home Pay

Why Use Our UK Take Home Pay Calculator?

Get accurate UK salary calculations using the latest 2026/27 tax bands and thresholds.

2026/27 Tax Bands

Uses the latest UK tax bands including the frozen personal allowance and updated NI thresholds.

All Deductions

Includes income tax, National Insurance, student loans, pension contributions, and salary sacrifice.

Visual Breakdown

See exactly where your money goes with our interactive doughnut chart and detailed breakdowns.

Calculate Your Net Worth

Sign up for free to access advanced financial tools, track your income and expenses, and get personalised recommendations.

Start Free PlanningLearn More
With Delphina, you can:
  • Track all your income sources
  • See detailed tax breakdowns
  • Plan for salary changes
  • Compare pension options

Related Guides

Popular Tools

Frequently Asked Questions

How the take-home pay calculator works

The calculator starts from your gross salary plus any bonus. Salary sacrifice comes off first and reduces income tax, National Insurance and student loan repayments. Net-pay pension contributions reduce income tax but not National Insurance. Relief-at-source contributions are paid from your take-home pay, and your provider adds basic-rate tax relief to your pension.

Income tax uses the rest-of-UK bands for 2026/27: a £12,570 personal allowance, 20% on the next £37,700, 40% up to £125,140 of taxable income and 45% above. The personal allowance falls by £1 for every £2 of adjusted net income over £100,000. National Insurance is 8% between £12,570 and £50,270 and 2% above that. Student loan repayments are 9% of earnings above your plan's threshold.

What the results mean

  • Annual, monthly and weekly take-home pay: what reaches your bank account after every deduction.
  • Effective deduction rate: all deductions, including pension, as a share of gross pay.
  • Between £100,000 and £125,140 the personal allowance taper creates an effective 60% income tax rate. Pension contributions and salary sacrifice that bring adjusted net income back under £100,000 recover the allowance.

Assumptions to keep in mind

  • Scottish income tax bands are different and are not modelled here.
  • It assumes one job, a standard tax code and no other income such as rental profits or dividends.
  • Bonuses are treated as part of the year's pay; the actual deduction in the month a bonus is paid can look different.