UK Salary Calculator
Free UK salary calculator for the 2026/27 tax year. Work out your take-home pay after income tax, National Insurance and student loan.
Where your pay goes
| Per | Yearly | Monthly | Weekly |
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Monthly is the yearly figure ÷ 12 and weekly is ÷ 52.
Tax workings (yearly)
| Personal allowance | |
| Taxable income | |
| Effective tax rate (tax + NI) |
Income tax band breakdown
| Band | Amount taxed | Rate | Tax |
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Estimates based on 2026/27 UK tax year bands. This is a guide only and does not constitute financial advice.
How UK take-home pay is calculated
Your take-home pay is what's left of your gross salary after four things are taken off: income tax, Class 1 National Insurance, any student loan repayment, and any pension contribution. Income tax works in bands — you don't pay a single flat rate on your whole salary. Instead, each slice of income above the previous band's threshold is taxed at that band's rate, and the first £12,570 (your personal allowance) is tax-free for most people.
Worked example
Take a gross salary of £35,000 in England, with no student loan and no pension contribution. The first £12,570 is tax-free. The remaining £22,430 falls in the 20% basic rate band, giving income tax of £4,486. National Insurance is 8% on earnings between £12,570 and £50,270, so 8% of £22,430 = £1,794.40. Take-home pay works out to roughly £28,719.60 a year, or about £2,393 a month.
Frequently asked questions
How is UK take-home pay calculated?
Take-home pay is your gross salary minus income tax, Class 1 National Insurance, any student loan repayments, and any pension contribution. Income tax is worked out in bands: the first £12,570 (your personal allowance) is tax-free, then each band above it is taxed at a higher rate. National Insurance and student loan repayments are calculated separately on their own thresholds.
What is the personal allowance for 2026/27?
The standard personal allowance is £12,570 — the amount you can earn before paying any income tax. It tapers away by £1 for every £2 earned over £100,000, and reaches £0 once income hits £125,140.
What are the 2026/27 income tax bands?
In England, Wales and Northern Ireland: 20% basic rate up to £50,270, 40% higher rate up to £125,140, and 45% additional rate above that. Scotland uses six bands instead of three: 19% starter rate up to £16,537, 20% basic rate up to £29,526, 21% intermediate rate up to £43,662, 42% higher rate up to £75,000, 45% advanced rate up to £125,140, and 48% top rate above that.
How much National Insurance will I pay?
For 2026/27, employee Class 1 National Insurance is 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above £50,270. Nothing is due below the £12,570 threshold.
How are student loan repayments worked out?
Student loan repayments are 9% of income above your plan's threshold (Plan 1: £26,900, Plan 2: £29,385, Plan 4: £33,795, Plan 5: £25,000), or 6% above £21,000 for the Postgraduate Loan plan. They're calculated independently of income tax and National Insurance.