UK Take Home Pay Calculator
Enter your salary to see exactly what you take home after tax, National Insurance and other deductions.
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Results are estimates only and do not constitute financial advice.
Common salary examples — 2026/27
Click any row to load it into the calculator above.
| Gross salary | Income tax | NI | Monthly take home | Annual take home |
|---|
How it's calculated
Your take-home pay is your gross salary minus income tax, National Insurance, pension contributions and student loan repayments.
Everyone gets a personal allowance of £12,570 — the amount you earn tax-free. Above that you pay 20% up to £50,270, then 40% up to £125,140.
National Insurance is 8% on earnings between £12,570 and £50,270, and 2% above that.
Frequently asked questions
This assumes tax code 1257L. Different tax codes, benefits or other deductions will change your result.
Pension contributions via salary sacrifice reduce your taxable pay, saving you income tax and NI on top of the pension saving.
Scotland has six income tax bands from 19% to 48%, set by the Scottish Parliament. NI is the same across the UK.
What is take-home pay?
Take-home pay — also called net pay or net salary — is the amount you actually receive in your bank account after all deductions have been made from your gross salary.
Your gross salary is what your employer agrees to pay you. From that, your employer deducts income tax and National Insurance before paying you — this is called PAYE (Pay As You Earn).
Other deductions such as pension contributions and student loan repayments are also taken before you receive your pay.
How to increase your take-home pay
Reduces your taxable income, cutting both income tax and NI. Use our pension sacrifice calculator to see the saving.
Millions of people are on the wrong tax code. The standard code is 1257L — if yours is different, check with HMRC.
If one partner earns less than £12,570, they can transfer £1,260 of their allowance to the higher earner, saving up to £252 per year.
UK income tax rates 2026/27
Income tax is charged on earnings above your personal allowance. Scotland has separate rates.
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571–£50,270 | 20% |
| Higher rate | £50,271–£125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Starter rate | £12,571–£15,397 | 19% |
| Basic rate | £15,398–£27,491 | 20% |
| Intermediate rate | £27,492–£43,662 | 21% |
| Higher rate | £43,663–£75,000 | 42% |
| Advanced rate | £75,001–£125,140 | 45% |
| Top rate | Over £125,140 | 48% |
NI rates are the same across the UK: 8% on earnings between £12,570–£50,270, and 2% above £50,270.