UK Salary Calculator — Take Home Pay Instantly
Enter your salary and see exactly what you take home after income tax and National Insurance in 2026/27. Includes Scotland rates, pension, student loan and all five plans.
All UK Tax Calculators
Free tools for every salary and tax question. Always up to date for 2026/27.
How the UK Salary Calculator Works
Our calculator applies the same rules as HMRC to produce your take home pay for 2026/27. You enter your gross salary and the tool deducts income tax, National Insurance, any pension contributions and student loan repayments to show your net pay. Every calculation updates immediately so you can explore different scenarios without delay.
The personal allowance for 2026/27 is £12,570. Above that threshold income tax applies at 20%, 40% or 45% depending on how much you earn. National Insurance runs on a separate set of thresholds alongside income tax, which is why the headline rates do not fully describe what you actually pay.
Income Tax Rates 2026/27 (England, Wales and Northern Ireland)
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Above £125,140 | 45% |
The personal allowance tapers by £1 for every £2 of income above £100,000. At £125,140 the full allowance is lost and an effective marginal rate of 60% applies in the taper zone.
Scottish Income Tax Rates 2026/27
| Band | Taxable income | Rate |
|---|---|---|
| Starter rate | £12,571 to £14,876 | 19% |
| Basic rate | £14,877 to £26,561 | 20% |
| Intermediate rate | £26,562 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Above £125,140 | 48% |
National Insurance Rates 2026/27
| Type | Earnings | Rate |
|---|---|---|
| Employee (Class 1) | Up to £12,570 | 0% |
| Employee (Class 1) | £12,571 to £50,270 | 8% |
| Employee (Class 1) | Above £50,270 | 2% |
| Employer (Class 1) | Above £9,100 | 13.8% |
Pensions and Salary Sacrifice
Pension contributions reduce your take home pay but they also reduce the tax you pay. With salary sacrifice your employer reduces your contractual salary by the contribution amount before calculating tax and National Insurance. This means you save both income tax and NI on contributions, making salary sacrifice materially more efficient than paying the same amount from net pay.
Our pension calculator compares both methods side by side so you can see the exact difference for your salary level.
What Does Your Employer Actually Pay?
Your gross salary is not the full cost to your employer. Employer National Insurance adds 13.8% on earnings above £9,100 per year. On a £30,000 salary that is approximately £2,882 per year on top of your salary, making the total employment cost around £32,882. Our National Insurance calculator shows this breakdown in full, including employer costs.
Related calculators
Once you know your gross salary, use our take home pay calculator to see exactly what lands in your account after all deductions. If you want to understand your deductions in detail, our income tax calculator breaks down exactly how much you pay at each band, while the National Insurance calculator shows both your contribution and your employer's. Planning ahead? Our pension contribution calculator shows how salary sacrifice reduces both your tax and National Insurance bill. If you have received a pay offer in net terms, use the net to gross calculator to find the gross salary you need to negotiate for. If you repay a student loan, our student loan repayment calculator will factor those deductions into your take-home figure. Thinking about buying a property? Our mortgage affordability calculator shows how much you could borrow based on your salary.