Salary Calculator UK — 2026/27
Enter your annual salary and get your net pay instantly — the amount that actually reaches your bank account after income tax and National Insurance. The calculator uses the official 2026/27 rates and works for England, Wales, Northern Ireland and Scotland.
If you are comparing job offers, negotiating a rise or checking a payslip, the gross figure is only half the story. A £5,000 rise does not put £5,000 in your pocket: at the basic rate it adds about £3,600 after tax and National Insurance, and less once you cross into the 40% band.
| 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.
Popular UK salaries after tax
Gross salary vs take-home pay
Three things come off your gross salary before you see it: income tax (charged in bands above your £12,570 Personal Allowance), National Insurance (8% on most earnings, 2% at higher levels) and, if you choose, pension contributions and student loan repayments. The table in the calculator shows each deduction separately so you can see exactly where the money goes.
Frequently asked questions
What is the take-home pay on £50,000?
In 2026/27 a £50,000 salary in England, Wales or Northern Ireland leaves £39,519.60 a year (£3,293.30 a month) after £7,486 income tax and £2,994.40 National Insurance. In Scotland, take-home is £38,023.55 because Scottish income tax is higher at this level.
How do I work out monthly pay from an annual salary?
Divide your annual take-home pay by 12. The calculator shows yearly, monthly and weekly figures side by side. Weekly pay uses 52 weeks; a rough daily figure divides the year by 260 working days.
Why is my first payslip different?
PAYE spreads your Personal Allowance evenly across the year, so a job started mid-year, a bonus, or an emergency tax code (1257L W1/M1) can make early payslips look different. The annual figures here assume a full tax year on the standard 1257L code.