Take-home pay for the 2026/27 tax year, calculated as you type.
£/yr
Pension
Enter your pay before tax. No pension or student loan is assumed.
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Your take-home pay is your gross salary minus Income Tax, National Insurance, student loan repayments, and pension contributions. The calculator uses HMRC published rates for the 2026/27 tax year and applies the correct tax bands, personal allowance (£12,570), and NI thresholds automatically.
What tax code should I use?
Most employees have tax code 1257L, which gives the standard Personal Allowance of £12,570. You can find your tax code on your payslip, P45, P60, or HMRC online account. If you enter a tax code in the advanced settings, the calculator will adjust your Personal Allowance accordingly.
Which student loan plan am I on?
Plan 1: England/Wales courses starting before September 2012, Scottish courses starting before August 2021, or any Northern Ireland courses. Plan 2: England/Wales courses starting September 2012 onwards (Wales continues Plan 2 for post-Aug 2023 starts). Plan 4: Scottish courses starting from 1 August 2021. Plan 5: England-only courses starting from 1 August 2023. Postgraduate: Master's or Doctoral loans across the UK.
What's the difference between salary sacrifice and relief at source?
Salary sacrifice: your employer deducts pension before calculating tax and NI, so you save on both. Relief at source: pension is deducted from your net pay, and your provider claims basic rate tax relief (20%) from HMRC. Net pay: your pension is taken from gross pay before Income Tax, giving full tax relief, but National Insurance is still charged on your whole salary, so it saves tax but not NI. Salary sacrifice typically saves you the most.
Why does my take-home drop sharply between £100k and £125k?
For every £2 you earn over £100,000, you lose £1 of your Personal Allowance. This creates an effective marginal tax rate of 60% in the £100,000 to £125,140 range (62% including National Insurance). The pay-rise field in your breakdown shows exactly what you'd keep from extra pay in this zone.
How accurate is this calculator?
The calculator uses the official HMRC rates and thresholds for the 2026/27 tax year. It provides accurate estimates for employed (PAYE) workers but does not account for benefits in kind, multiple employments, or self-employed income. Always verify with HMRC or a qualified tax adviser.
Does this calculator work for self-employed income?
No, this calculator is designed for employed (PAYE) workers. Self-employed individuals pay Class 4 National Insurance (6% on profits over £12,570, 2% above £50,270) through Self Assessment, and Class 2 is now credited automatically for most, so tax is collected differently. HMRC provides a separate self-employed tax calculator.
How is employer NI calculated?
For 2026/27, employers pay 15% National Insurance on earnings above the secondary threshold of £5,000 per year. There is no upper limit. Employer NI applies to all earnings above the threshold. Your payslip breakdown shows the employer cost and the total cost of employing you.
