UK Take-Home Pay Calculator
Last Updated:
Estimate employment take-home pay in England, Wales, Northern Ireland, or Scotland after Income Tax, employee National Insurance, pension contributions, and student loan repayments. The default tax year is 2026/27 (6 April 2026 to 5 April 2027); you can also select earlier years back to 2020/21. Choose “Scottish Resident” for Scottish Income Tax bands. Pension inputs use a salary-sacrifice-style estimate; the guidance below explains the assumptions.
View salary examples and how take-home pay is calculatedSalary Payslip Breakdown For £0 Per Year
Use this table to see your daily, weekly, monthly, yearly, and total breakdowns.
| Yearly | Monthly | Weekly | Daily | |
|---|---|---|---|---|
| Gross income | £0 | £0 | £0 | £0 |
| Pension | £0 | £0 | £0 | £0 |
| Taxable income | £0 | £0 | £0 | £0 |
| Income tax | £0 | £0 | £0 | £0 |
| National Insurance | £0 | £0 | £0 | £0 |
| Student loan | £0 | £0 | £0 | £0 |
| Total deductions | -£0.00 | -£0.00 | -£0.00 | -£0.00 |
| Net income (after deductions) | £0.00 | £0.00 | £0.00 | £0.00 |
How UK Take-Home Pay Is Calculated (Income Tax, National Insurance, Pension)
This take home calculator helps you estimate what you will actually receive after tax and deductions, so you can plan with confidence. Enter your annual salary, choose your tax year, and the salary calculator will break down the figures into yearly, monthly, weekly, and daily amounts. It includes income tax, National Insurance, pension contributions, and student loan repayments, giving you a clear view of your net income.
The income calculator tool is designed to reflect current UK rules, which makes it useful for budgeting, comparing job offers, or understanding how changes to your pension or tax code affect your take home pay. You can expand the income tax and National Insurance sections to see how each band contributes to the total deductions. Use the compare to year option to measure how your figures would look under earlier tax years and see the difference side by side.
Whether you are full time, part time, or self employed, this salary calculator gives a fast, consistent estimate you can rely on. It does not replace professional advice, but it does offer a practical starting point for understanding your pay. If you are exploring salary sacrifice, student loan changes, or new tax year updates, the income calculator tool makes those comparisons easy.
Monthly Take-Home Pay Examples For 2026/27
These examples assume one employment for the full tax year, residence in England, Wales, or Northern Ireland, tax code 1257L with the standard £12,570 Personal Allowance, and standard employee National Insurance (category A). They use the calculator’s 16–67 age option and assume you are below State Pension age and liable for employee NI. There are no pension contributions, student loan repayments, other income, taxable benefits, or extra allowances. Figures always use 2026/27, independently of your form selections.
| Annual gross salary | Annual take-home pay | Average monthly take-home pay |
|---|---|---|
| £20,000 | £17,919.60 | £1,493.30 |
| £25,000 | £21,519.60 | £1,793.30 |
| £30,000 | £25,119.60 | £2,093.30 |
| £40,000 | £32,319.60 | £2,693.30 |
| £50,000 | £39,519.60 | £3,293.30 |
| £60,000 | £45,357.40 | £3,779.78 |
| £80,000 | £56,957.40 | £4,746.45 |
Monthly estimates are annual take-home pay divided by 12, rounded to the nearest penny. Actual payroll uses pay-period thresholds and rounding, so these are annualised estimates rather than exact monthly payslip amounts.
Worked Example: £40,000 Salary After Tax
Using the same 2026/27 assumptions as the table:
- Start with £40,000.00 gross annual salary. After the £12,570 Personal Allowance, £27,430.00 is subject to Income Tax.
- All of that taxable income falls within the 20% basic-rate band, giving £5,486.00 in annual Income Tax.
- Employee National Insurance is 8% of earnings above £12,570 in this example, giving £2,194.40 a year. This salary is below the £50,270 upper earnings limit.
- Subtract the deductions: £40,000.00 − £5,486.00 − £2,194.40 = £32,319.60 annual take-home pay, or about £2,693.30 a month.
Your pension, student loan, tax code, and Scottish taxpayer status can change this result. Enter your details in the calculator for a personalised estimate.
Common Questions About Take-Home Pay
Why does this differ from my payslip?
The calculator estimates annual deductions and divides them into pay periods. Your employer calculates payroll using your actual pay dates, tax code, and pay received so far in the tax year. Bonuses, overtime, starting or leaving a job part-way through the year, emergency tax codes, taxable benefits, and payroll rounding can all create differences. Pension arrangements and other payslip deductions may also differ from the assumptions here.
Check the tax year, tax code, pension method, and student loan plan against your payslip. Ask your payroll team about an unexplained deduction; this estimate does not reproduce every PAYE adjustment.
How does a pension affect take-home pay?
Pension contributions put money into retirement savings and generally reduce the cash you receive now. The tax effect depends on how your scheme collects contributions. This calculator subtracts the pension input before calculating both Income Tax and employee National Insurance, modelling a salary-sacrifice-style contribution. A percentage is applied to your whole gross salary, which may differ from schemes based on qualifying earnings.
Under a net pay arrangement, contributions reduce pay for Income Tax but normally do not reduce employee NI. Under relief at source, contributions come from pay after deductions and the pension provider adds basic-rate tax relief; further relief may need to be claimed. Those methods are not modelled separately here. Check your scheme’s method, or use the pension salary sacrifice calculator to explore a salary sacrifice arrangement.
How does Scottish income tax change the result?
Scottish taxpayers have different Income Tax bands and rates on employment income. Select “Scottish Resident” to apply them; employee National Insurance follows the same UK rules. Depending on your income, Scottish Income Tax can be lower or higher than in England, Wales, or Northern Ireland.
For the £40,000 example above, switching to Scotland with tax code S1257L and keeping the other assumptions gives £5,551.07 annual Income Tax and £2,687.88 average monthly take-home pay, compared with £2,693.30 outside Scotland. Employee NI remains £2,194.40 a year.
See the official Scottish Income Tax bands for the current thresholds.
UK Take-Home Pay Calculator Explanations
Each input controls a different part of the take-home calculation. Use these explanations to understand why the output changes.
- Annual Salary
- Your gross yearly pay before any deductions. This is the base figure used for Income Tax, National Insurance, pension, and student loan calculations.
- Enter a value above 0 in GBP. A higher annual salary moves more income into higher bands and increases deductions.
- Tax Code
- Determines your personal allowance and any adjustments. Examples include 1257L, BR, D0, D1, and NT.
- A lower allowance increases taxable income, while a higher allowance reduces the Income Tax due.
- Student Loan Plan
- Choose Plan 1, Plan 2, Plan 4, Plan 5, or Postgraduate.
- Each plan has its own threshold and rate. Repayments only apply above the threshold and reduce take-home pay.
- Pension
- Enter a yearly amount (for example 500) or a percentage (for example 5%).
- This input reduces pay for both Income Tax and employee NI, modelling a salary-sacrifice-style contribution. Net pay and relief-at-source pension schemes can produce different results; see the pension explanation above.
- Age
- Select Under 16, 16-67, or 68+ to apply the correct employee NI rules.
- Age affects whether NI is charged and which NI thresholds apply.
- Tax Year
- Supports 2020/2021 through 2026/2027.
- Each year has different tax and NI thresholds. Changing the year can change the entire breakdown.
- Additional Options
- Married and Blind adjust allowances. I Pay No NI removes employee NI.
- These options change taxable income or set employee NI to 0, which can materially increase net pay.
- Scottish Resident
- Applies Scottish Income Tax bands for salary income.
- National Insurance still follows UK-wide rules, but Income Tax bands and rates change.
- Compare To Year
- Adds a second column so you can compare results across tax years.
- Comparison options are the later years after your selected year. Choose "None" to hide the comparison.
Sources And Methodology
Calculations follow published UK PAYE thresholds for the selected tax year and apply standard rules for Income Tax, National Insurance, and common deductions. Results are estimates and should be checked against official guidance for your circumstances.