Take-Home Pay Calculator 2026/27

Your payslip may include company-specific deductions such as healthcare, cycle-to-work, season ticket loans or salary sacrifice schemes. This calculator covers the main statutory deductions (income tax, National Insurance, student loans and pensions) using 2026/27 rates, so small differences are normal. Make sure the tax code used here matches the one on your payslip for the closest estimate.

Class 1 National Insurance is charged at 8% on earnings between £12,570 and £50,270, then 2% on anything above £50,270. If your pension is deducted from qualifying earnings rather than your full salary, the taxable base changes — the calculator reflects both options.

Repayments are 9% of earnings above your plan threshold (6% for a Postgraduate Loan). For 2026/27 the thresholds are Plan 1 £24,990, Plan 2 £27,295, Plan 4 £31,395 and Plan 5 £25,000. Repayments are calculated on your pre-tax income after pension, which is why the deduction grows as your salary rises.

Scotland sets its own income tax rates. For 2026/27 the Scottish bands are 19% starter rate, 20% basic rate, 21% intermediate rate, 42% higher rate, 45% advanced rate and 48% top rate, applied above the same £12,570 personal allowance. The rest of the UK uses 20%, 40% and 45%. National Insurance rules are the same everywhere.