UK Take-Home Pay Calculator (2026/2027 Tax Year)
Accurate net take-home salary, income tax bands, Class 1 National Insurance, workplace pension, and student loan deductions for 6 April 2026 to 5 April 2027.
By Suhaib Hassan · Updated · How we verify formulas
Annual Equivalent: — net after statutory deductions
Deductions Waterfall
| Category / Step | Yearly | Monthly | % of Gross |
|---|
HMRC Income Tax Bands & Rates (2026/2027)
Standard England, Wales and Northern Ireland rates compared against Scottish devolved thresholds. Your top band is highlighted.
| Band Name | Taxable Bracket | Tax Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 to £50,270 | 20% |
| Higher Rate | £50,271 to £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
*Personal allowance is reduced by £1 for every £2 earned above £100,000, creating an effective 60% marginal tax rate between £100,000 and £125,140.
| Scottish Band | Taxable Bracket | Tax Rate |
|---|---|---|
| Starter Rate | £12,571 to £16,537 | 19% |
| Scottish Basic | £16,538 to £29,526 | 20% |
| Intermediate | £29,527 to £43,662 | 21% |
| Higher Rate | £43,663 to £75,000 | 42% |
| Advanced Rate | £75,001 to £125,140 | 45% |
| Top Rate | Over £125,140 | 48% |
Scottish taxpayers pay UK National Insurance rules, but apply Scottish Parliament income tax bands to non-savings, non-dividend income.
All calculations are executed in your browser. No salary figures, tax codes, or financial inputs are logged or sent to remote servers or HMRC.
2026/27 rates this calculator uses
Tax year 6 April 2026 to 5 April 2027. The personal allowance is £12,570 (£1,048 a month), reduced by £1 for every £2 of income above £100,000 and zero from £125,140. England, Wales and Northern Ireland tax income above the allowance at 20% on the next £37,700, 40% up to £125,140 and 45% above. Scotland uses six bands from 19% to 48% (table above). Employee Class 1 National Insurance is UK-wide: 8% between £12,570 and £50,270, and 2% above.
Student loans are deducted at 9% of monthly pay above £2,241 (Plan 1), £2,448 (Plan 2), £2,816 (Plan 4) or £2,083 (Plan 5). A postgraduate loan adds 6% above £1,750. Each monthly amount is rounded down to the nearest pound. Salary-sacrifice pension reduces taxable pay, NI and student loan. Relief-at-source pension is paid from net pay, and the provider adds 20% basic-rate relief. Higher-rate relief is claimed separately through Self Assessment.
Sources: GOV.UK rates and thresholds for employers 2026 to 2027, GOV.UK — how much you repay and GOV.UK — Blind Person's Allowance. HMRC, not this calculator, is the authority.
By Suhaib Hassan · Bands verified 27 Sep 2026 against GOV.UK · How CalculatePilot verifies formulas
How to use this UK take-home pay calculator
- Enter your gross income. Enter your gross pay and choose whether it is annual, monthly, weekly or hourly. For hourly pay, also enter your hours per week.
- Choose the tax year and jurisdiction. Choose England, Wales and Northern Ireland, or Scotland, because Scotland has its own income tax bands.
- Add your pension. Set your pension contribution percentage and choose salary sacrifice or relief at source.
- Add a student loan and your tax code. Choose your student loan plan if you have one, and enter your PAYE tax code. The default is 1257L.
- Read your take-home pay. Read your net pay by year, month, week and day, and the deductions waterfall showing income tax, National Insurance, pension and student loan.
Worked examples (England, Wales & NI, no pension)
- £35,000, no student loan: taxable £22,430 × 20% = £4,486 income tax; NI 8% × £22,430 = £1,794.40; take-home £28,719.60 a year / £2,393.30 a month.
- £35,000, Plan 5: monthly pay £2,916.67 − £2,083 = £833.67 × 9% = £75.03, rounded down to £75 → £900 a year; take-home £27,819.60 / £2,318.30 a month.
- £60,000, no student loan: £37,700 × 20% + £9,730 × 40% = £11,432 income tax; NI £3,016 + £194.60 = £3,210.60; take-home £45,357.40 / £3,779.78 a month.
- £12,570: at the personal allowance and NI primary threshold — tax £0, NI £0, take-home £12,570.
Worked example with the calculator defaults
The calculator opens on a £55,000 salary in England, Wales or Northern Ireland, with tax code 1257L, a 5% salary-sacrifice pension and no student loan.
- Pension: 5% × £55,000 = £2,750, which reduces taxable pay to £52,250.
- Income tax: (£52,250 − £12,570 allowance) = £39,680. That is £37,700 at 20% plus £1,980 at 40% = £8,332.
- National Insurance: 8% on £37,700 plus 2% on £1,980 = £3,056.
- Take-home pay: £55,000 − £2,750 − £8,332 − £3,056 = £40,862 a year, or £3,405 a month (74.3% of gross).
What this figure does not include
- Self-employed Class 4 NI, dividends and savings interest — this is an employed salary on PAYE.
- Net-pay-arrangement pensions, the High Income Child Benefit Charge, benefits in kind and taxable expenses.
- A cumulative payroll run: real PAYE can differ from these annualised figures by a few pounds in any one month.
Key takeaways
- This UK take-home pay calculator uses the 2026/27 tax year, from 6 April 2026 to 5 April 2027. We verified the bands against GOV.UK on 27 Sep 2026.
- The personal allowance is £12,570. England, Wales and Northern Ireland tax income above it at 20%, 40% and 45%. Scotland has six bands from 19% to 48%.
- Employee National Insurance is UK-wide: 8% between £12,570 and £50,270, and 2% above.
- On the defaults, a £55,000 salary gives £40,862 a year after tax, National Insurance and a 5% pension. HMRC, not this calculator, is the authority.
Frequently asked questions
Does this cover Scotland?
Yes. Switch Tax Jurisdiction to Scotland to apply the six Scottish income tax bands (19% to 48%). National Insurance stays the same UK-wide. The Scotland take-home pay calculator also shows the difference against the rest of the UK.
Which tax code is assumed?
1257L by default — a full £12,570 personal allowance, tapered above £100,000. You can enter another code: number-and-letter codes (e.g. 1100L), K codes, and BR, D0, D1, 0T and NT are supported. Emergency (W1/M1) codes are treated as their normal equivalents.
How is the student-loan line calculated?
The same monthly PAYE rule as the UK student loan calculator: the plan rate × pay above the monthly threshold, rounded down to the nearest pound, then × 12 for the year.
How does Marriage Allowance work here?
If your spouse or civil partner transfers £1,260 of their personal allowance to you, your tax bill falls by up to £252 (20% of £1,260). You must be a basic-rate taxpayer (or starter, basic or intermediate rate in Scotland) to receive it.
Is this the same as the paycheck calculator?
No. The paycheck calculator uses a US-style tax rate you type. This page uses the published 2026/27 UK bands.
Is this exactly what PAYE will take this month?
No. It uses annualised bands, not a cumulative payroll run, so a real month can differ by a few pounds.
How much is £55,000 after tax in the UK in 2026/27?
On the calculator defaults (England, Wales or Northern Ireland, tax code 1257L, a 5% salary-sacrifice pension and no student loan), take-home pay is about £40,862 a year, or £3,405 a month. That is after £8,332 of income tax and £3,056 of National Insurance.
What is the UK personal allowance for 2026/27?
The personal allowance is £12,570, which is £1,048 a month. It is reduced by £1 for every £2 of income above £100,000 and is zero from £125,140.
How much National Insurance do employees pay in 2026/27?
Employee Class 1 National Insurance is UK-wide. It is 8% on earnings between £12,570 and £50,270, and 2% above that.