Calculate your take-home pay
Enter your gross annual salary and choose the deductions that apply. This calculator gives an estimate for employment income, not self-employed profits or complex tax situations.
How this take-home pay calculator works
The calculator starts with your gross pay, then estimates PAYE Income Tax, employee National Insurance, pension deductions and selected student loan deductions. The result is your estimated net pay.
Pension treatment matters. Salary sacrifice usually reduces taxable pay and National Insurance pay. A net pay arrangement usually reduces taxable pay but not National Insurance pay. Relief at source usually takes a net pension payment from take-home pay while basic-rate tax relief is added to the pension by the provider.
This is a planning estimate only. Your real payslip can differ because of tax code adjustments, benefits in kind, payroll timing, bonuses, previous employment and employer-specific pension rules.
take-home pay = gross pay
- Income Tax
- employee National Insurance
- pension deduction
- student loan deduction
- other selected deductions
2026/27 tax and National Insurance assumptions
For England, Wales and Northern Ireland, the calculator uses the standard personal allowance and the 20%, 40% and 45% Income Tax bands for the 2026/27 tax year. For Scotland, it uses the 2026/27 Scottish Income Tax bands.
Employee National Insurance is calculated using the 2026/27 primary threshold and upper earnings limit. The standard employee category A estimate applies 8% between the primary threshold and upper earnings limit, then 2% above that.
| Area | Income Tax bands used | NI treatment |
|---|---|---|
| England, Wales, Northern Ireland | 0%, 20%, 40%, 45% bands after personal allowance. | UK-wide employee NI estimate. |
| Scotland | 0%, 19%, 20%, 21%, 42%, 45%, 48% Scottish bands. | UK-wide employee NI estimate. |
Example take-home pay estimates
These examples use England/Wales/Northern Ireland tax bands, no pension and no student loan. They are included to show how deductions change as salary increases.
| Gross salary | Estimated Income Tax | Estimated NI | Estimated annual net pay | Estimated monthly net pay |
|---|---|---|---|---|
| £30,000 | £3,486.00 | £1,394.40 | £25,119.60 | £2,093.30 |
| £50,000 | £7,486.00 | £2,994.40 | £39,519.60 | £3,293.30 |
| £80,000 | £19,432.00 | £3,610.60 | £56,957.40 | £4,746.45 |
What affects take-home pay?
- Tax code: your tax code can change how much tax is collected through payroll.
- Personal allowance: the personal allowance can reduce once income rises above £100,000.
- Pension method: salary sacrifice, net pay and relief at source can affect take-home pay differently.
- Student loan plan: Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loan deductions use different thresholds.
- Region: Scottish taxpayers use different Income Tax bands from the rest of the UK.
- Other deductions: payroll giving, benefits, court orders and other deductions can change your final payslip.
Turn salary into an hourly rate
Once you know your net pay, compare it with your hourly or daily value.
Related salary glossary terms
Learn the terms that usually appear on payslips, offer letters and salary calculators.
Take-home pay FAQs
Is this calculator exact?
No. It is a planning estimate based on standard 2026/27 rates and selected deductions. Your payslip can differ because of your exact tax code, payroll timing, benefits and employer pension setup.
Does pension reduce take-home pay?
Usually yes, but the amount depends on the pension method. Salary sacrifice can reduce Income Tax and National Insurance, while relief at source normally takes a net contribution from pay.
Why does Scotland have a different result?
Scottish taxpayers use different Income Tax bands and rates. National Insurance is still calculated using UK-wide employee NI thresholds and rates.
Can I use this for self-employed income?
No. This page is for PAYE employment income. Self-employed tax uses different rules and should be estimated with a self-employed tax calculator.