UK Salary Calculator (2026/27)

How to use the Take-Home Pay Calculator

1. Enter your annual gross salary — this is what's on your contract, before any tax or deductions.
2. Choose England, Wales or NI, or Scotland — Scotland has its own Income Tax bands, so the same salary can give a different result.
3. If you know your tax code, enter it for the most accurate figure — it's shown on your payslip. If you don't know it, leave it blank and we'll use the standard allowance.
4. Only know your hourly rate, not your annual salary? Use the Hourly Wage Calculator instead.
5. Select a student loan plan if you're repaying one, and toggle pension on or off.
6. Your results update instantly — no "Calculate" button needed. Use Save this calculation to keep it on your Dashboard for next time.

How this is calculated

Your Personal Allowance — the amount you can earn before paying Income Tax — is £12,570 for 2026/27. It reduces by £1 for every £2 you earn above £100,000, and reaches £0 at £125,140. Income Tax is charged at 20% up to £50,270, 40% up to £125,140, and 45% above that (England, Wales and Northern Ireland). National Insurance is charged at 8% between £12,570 and £50,270, and 2% above that. This calculator assumes standard tax codes and does not account for benefits-in-kind, salary sacrifice, or other personal circumstances — unless you enter your own tax code, which we use exactly as issued rather than applying our own automatic adjustments.