2026/27 tax year

UK take-home pay calculator

A clear, accurate estimate of how much of your salary you keep after tax and National Insurance.

England, Wales and Northern Ireland · 2026/27 tax year

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Defaults use the usual automatic-enrolment minimum: 5% employee and 3% employer on qualifying earnings. Qualifying earnings use the 2026/27 band from £6,240 to £50,270. Check your scheme, as its rates or basis may differ.

Use the code on your payslip or HMRC tax-code notice. Emergency, K, Scottish and Welsh codes are not yet supported.

For 2026/27, this adds the £1,260 transferred allowance (up to £252 less Income Tax). Use this only if you are the receiving basic-rate taxpayer.

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How to use the take-home pay calculator

  1. Choose whether you know your annual gross salary or the monthly take-home pay you need.
  2. Add your employee pension contribution, whether it is salary sacrifice, and any student or postgraduate loan.
  3. Use the tax code from your payslip if it is one of the supported options, then calculate your estimate.

What the result shows

You will see estimated annual and monthly take-home pay after Income Tax, employee National Insurance, employee pension and relevant student-loan deductions. Employer pension is shown separately because it is paid into your pension, not your bank account.

When this calculator is most useful

Use it to sense-check a salary, plan a pay rise, work out the salary needed for a net monthly goal, or compare a proposed salary with your current one.

Important limits

This is a 2026/27 estimate for PAYE employees in England, Wales and Northern Ireland. It does not yet model bonuses, benefits in kind, multiple jobs, attachment orders, Scottish or Welsh tax codes, or K codes. Your employer's payroll calculation remains the final figure.

Rules and thresholds are based on HMRC guidance for Income Tax, National Insurance, and student-loan deductions.

Guides

What does tax code 1257L M1 mean? — understand the common emergency tax code and what to do next.

Cumulative vs non-cumulative PAYE — understand why a tax code can change what is deducted from your payslip.

Why has my take-home pay gone down? — identify the likely cause of a smaller payment and what to check.