Take Home Pay Calculator UK — 2026/27
Work out exactly what you keep from your salary in the 2026/27 tax year. Enter your gross pay and this calculator applies the real UK rates — Personal Allowance, income tax bands, National Insurance, pension and student loan — for England, Wales and Northern Ireland, or Scotland's separate bands.
| Gross salary | — |
|---|---|
| Personal Allowance | — |
| Income tax | — |
| National Insurance | — |
| Pension | — |
| Student loan | — |
| Overall deduction rate | — |
Income tax by band
| Band | Taxed amount | Tax |
|---|
Pension is modelled as a net pay arrangement (it reduces taxable pay, not National Insurance). Student loan thresholds 2026/27: Plan 1 £26,900 · Plan 2 £29,385 · Plan 4 £33,795 · Plan 5 £25,000 · Postgraduate £21,000.
Take-home pay for popular salaries (2026/27)
Tap a salary to see its full band-by-band breakdown — income tax, National Insurance and take-home pay per year, month and week.
How your take-home pay is worked out
Your payslip starts with gross pay. First, pension contributions come off if your scheme uses a net pay arrangement. Income tax is then charged on what is left above your Personal Allowance (£12,570 for most people in 2026/27): 20% on the first £37,700 of taxable income, 40% up to £125,140 and 45% above that. Scotland uses six bands instead, starting at 19%. National Insurance is charged separately on your full earnings: 8% between £12,570 and £50,270 a year, then 2% above that. Student loan repayments, if you have one, take a further 9% (6% for postgraduate loans) of earnings above your plan threshold.
One trap to know: once you earn over £100,000, your Personal Allowance falls by £1 for every £2 above that line, which creates an effective 60% tax band between £100,000 and £125,140. Our 60% tax trap guide shows the maths with a worked example.
More calculators
Frequently asked questions
How much tax do I pay on £40,000 in 2026/27?
On a £40,000 salary in England, Wales or Northern Ireland you pay £5,486 income tax and £2,194.40 National Insurance in 2026/27, leaving take-home pay of £32,319.60 a year (£2,693.30 a month). In Scotland the income tax is slightly higher at this level. Use the calculator above with your own figures for an exact answer.
What is the Personal Allowance in 2026/27?
The standard Personal Allowance is £12,570 — the amount you can earn before income tax starts. It falls by £1 for every £2 you earn above £100,000, and disappears completely at £125,140.
How is National Insurance calculated in 2026/27?
Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. Nothing is due on the first £12,570.
Does this calculator include pension and student loan deductions?
Yes. Enter a pension percentage (modelled as a net pay arrangement, which reduces taxable pay) and pick your student loan plan, and both are included in the result.
Is Scotland calculated differently?
Yes. Scotland sets its own income tax bands — six bands from 19% to 48% in 2026/27. National Insurance and the Personal Allowance are the same as the rest of the UK. Switch the region selector to Scotland to use the Scottish bands.