UK Take-Home Salary & Tax Calculator (Income Tax, NI & Pension)
Calculate your exact monthly and annual net salary in the UK across England, Wales, Northern Ireland, and Scotland. Features full support for Tax Code adjustments, Salary Sacrifice pensions, Student Loan Plans 1/2/4/5 & PG, and the £100k Personal Allowance taper trap.
Enter Your Details
Enter your details and click Calculate
Fill in your details on the left to see your full tax breakdown and analysis.
Calculation Methodology
Sourced from official His Majesty's Revenue and Customs (HMRC) regulations
Gross Salary minus Salary Sacrifice Pension Contribution = Taxable/NIable Gross.
Personal Allowance 2026/27 = £12,570 (+£3,130 for Blind Person's Allowance).
Allowance Taper: For income > £100,000, PA is reduced by £1 for every £2 over £100k (0 at £125,140, creating 60% effective marginal tax).
Income Tax: Basic 20% (£12,570–£50,270), Higher 40% (£50,270–£125,140), Additional 45% (>£125,140).
Employee NI (Class 1 Primary): 8% on £12,570–£50,270, 2% above £50,270.
Student Loan: 9% above threshold (Plan 1: £24,990, Plan 2: £27,295, Plan 5: £25,000) or 6% for Postgraduate (threshold £21,000).
Net Take-Home = Gross - Pension - Income Tax - Employee NI - Student Loan.
Recommended Tools
Trusted solutions for United Kingdom professionals
Monzo
Popular UK neobank offering Salary Sorter, fee-free budgeting, and automated savings pots.
Starling Bank
Award-winning UK digital current account with zero foreign fees and instant spending notifications.
Penfold Pension
UK digital pension provider allowing employees and self-employed workers to combine and grow workplace pensions.
Frequently Asked Questions
Common questions about this calculation
Q.What are the UK Income Tax bands and rates for 2026/27?
The standard Personal Allowance for 2026/27 is £12,570. Taxable income above PA is taxed at: 20% (Basic Rate: £12,571 to £50,270), 40% (Higher Rate: £50,271 to £125,140), and 45% (Additional Rate: above £125,140).
Q.What is the Employee National Insurance rate for 2026/27?
Employee National Insurance (Class 1) is 8% on annual earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270). Any earnings above £50,270 are subject to a 2% NI rate.
Q.How does pension Salary Sacrifice save on tax and NI?
Under Salary Sacrifice, your pension contribution is deducted from your gross salary before Income Tax and National Insurance are calculated. This reduces both your Income Tax bill (saving 20%, 40%, or 45%) AND your Employee NI bill (saving 8% or 2%).
Q.What is the £100,000 Personal Allowance taper trap?
If your taxable income exceeds £100,000, your Personal Allowance (£12,570) drops by £1 for every £2 earned above £100,000, disappearing completely at £125,140. This creates an effective marginal tax rate of 60% (40% income tax + 20% loss of allowance) on earnings between £100k and £125,140.
Disclaimer: Results are estimates based on standard tax rules for the 2026 tax year and are provided for informational purposes only. Individual circumstances (deductions, credits, specific state/local rules) may significantly affect your actual tax liability. Always consult a qualified tax professional or accountant for advice specific to your situation.