UK Take-Home PayCalculator2026/27
Enter your salary to instantly see your take-home pay, income tax, National Insurance, pension and student loan deductions, all under the latest HMRC rules.
Used by thousands of UK workers every day to understand their pay.
Your annual salary
Annual take-home pay
£30,521
Monthly
£2,543
Weekly
£587
Daily
£117
HMRC rates, April 2026
Your taxes (2026/27)
| Year | Month | Week | |
|---|---|---|---|
| Gross Income | £37,500 | £3,125 | £721 |
| Pension (You)£375 Saved! | £1,875 | £156 | £36 |
| PensionEmployer Added! | £1,125 | £94 | £22 |
| Taxable Income | £35,625 | £2,969 | £685 |
| Personal allowance | £12,570 | - | - |
| National Insurance | £1,843 | £154 | £35 |
| Income Tax | £4,611 | £384 | £89 |
| Take Home Pay | £29,171 | £2,431 | £561 |
| Added to Pension | £3,000 | £250 | £58 |
| Opportunities Found | View My Opportunities → | ||
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- 💰Explore typical salaries and take-home pay by profession.
Explore Your Finances
Model your expenses, project your wealth, and find your path to financial independence.
Your Monthly Outgoings
Projected Pension
Estimated pension growth over 31 years. Assumes a fund fee of 0.35%. Growth adjusted for inflation.
Wealth & Financial Independence More Info
- In today's money, you'll have at least £21,600 / year (£1,800 / month) when you retire at 66 - just from your savings
- In real terms (where inflation is not removed), that's £38,340 / year (£3,195 / month)
- That means all your outgoings are covered without having to make any further contributions!
- All your expenses are covered for your retirement, but your wealth may start to decrease towards old age
Projected Wealth
Estimated income over 50 years, adjusted for inflation, with a 5% annual return and 0.35% yearly platform fee.
- FI Target = Annual outgoings (£21,600) * Years needed for 4.00% SWR (25.00) = £540,000
- Invested annual pension = £3,000
- Invested annual surplus = £2,171
- Inflation of 2.5% / year
- Assumes New State Pension, payments increasing with inflation (2.5% / year)
- Assumes student loans last 30 years max
- Assumes a flex-drawdown pension for illustration purposes
- Assumes you draw down pension up to the higher rate bracket (£50,270), then draw down your S&S ISA
- Pension lump sums are not included
About Saving Tool UK
Saving Tool UK is a free, comprehensive personal finance tool for UK taxpayers. Enter your salary, pension contributions, and other income details to instantly see your take-home pay after income tax, National Insurance, and any student loan repayments.
All calculations reflect the 2026/27 tax year and cover England, Wales, Northern Ireland, and Scotland.
What the calculator covers
- ✓Income Tax: All UK regions, including Scottish rates
- ✓National Insurance: Class 1 employee contributions
- ✓Pension contributions: Employee, employer and salary sacrifice
- ✓Student loan repayments: Plans 1, 2, 4, 5 and Postgraduate Loan
- ✓Benefits in kind: Company cars, private medical insurance and more
- ✓Wealth projection: Model expenses and project your net worth
- ✓Financial independence: Estimate when your investments can sustain your lifestyle
Income Tax Rates 2026/27
England, Wales & Northern Ireland
| Band | Taxable Income | Rate | Max Tax |
|---|---|---|---|
| Personal Allowance | Up to £12,570 | 0% | £0 |
| Basic Rate | £12,571 – £50,270 | 20% | £7,540 |
| Higher Rate | £50,271 – £125,140 | 40% | £29,948 |
| Additional Rate | Over £125,140 | 45% | — |
Scotland
| Band | Taxable Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter Rate | £12,571 – £14,876 | 19% |
| Basic Rate | £14,877 – £25,561 | 20% |
| Intermediate Rate | £25,562 – £43,662 | 21% |
| Higher Rate | £43,663 – £125,140 | 42% |
| Top Rate | Over £125,140 | 47% |
National Insurance 2026/27 (Class 1)
| Earnings Band | Employee Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 – £50,270 | 8% |
| Over £50,270 | 2% |
Frequently Asked Questions
Common questions about how the calculator works.
How is my take-home pay calculated?
Your gross salary is reduced by income tax, National Insurance, pension contributions, and any student loan repayments. The result is your net (take-home) pay. The calculator also accounts for the personal allowance taper for earnings above £100,000.
What is the personal allowance for 2026/27?
The standard personal allowance is £12,570. It reduces by £1 for every £2 earned above £100,000 and reaches £0 at £125,140.
Does this cover self-employed income?
The main calculator focuses on PAYE employment income. For contracting and umbrella scenarios, use our IR35 Calculator and Umbrella Calculator.
Can I use this for Scottish tax rates?
Yes. Select Scotland in the tax region selector to apply Scottish income tax bands, which differ from the rest of the UK from the Starter Rate upwards.