UK Take-Home Salary & Tax Calculator
Calculate your exact monthly take-home pay after Income Tax, National Insurance, pension salary sacrifice, and student loans. Includes Scottish tax bands and £100k taper rules.
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Calculation Methodology & Statutory Rules
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.
Frequently Asked Questions
Q1.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).
Q2.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.
Q3.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%).
Q4.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.