UK Take-Home Pay Calculator 2026/27
The monthly pay that actually reaches you, after Income Tax, National Insurance, student loan and pension.
What actually lands in your account each month, once Income Tax, National Insurance, student loan repayments and pension contributions are taken off?
2026/27 Income Tax rates (England, Wales & Northern Ireland)
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
The Personal Allowance shrinks by £1 for every £2 earned over £100,000 — it is gone completely at £125,140.
National Insurance 2026/27
For employees, Class 1 National Insurance is 8% on earnings between £12,570 and £50,270 a year, and 2% on everything above £50,270.
Student loan repayments
- Plan 2 (England and Wales, courses started from 2012 to July 2023): 9% of earnings above £29,385.
- Postgraduate loan: 6% of earnings above £21,000.
Example
On £35,000, with a 5% salary-sacrifice pension and no student loan, take-home is about £2,290 a month — after roughly £4,140 of Income Tax and £1,650 of National Insurance a year.
Frequently asked questions
I live in Scotland. Does this work for me?
Not exactly. Scotland has its own Income Tax bands (starter, basic, intermediate, higher, advanced and top rates). National Insurance is the same across the UK.
What is my tax code?
Most people with one job have the code 1257L, which gives the standard £12,570 Personal Allowance. A different code (for example, because of company benefits) will change your take-home pay.
Why treat pension as salary sacrifice?
It's the most common workplace setup and saves both tax and NI. If your scheme uses "relief at source", your take-home pay will be slightly different.
Estimates only, based on HMRC rates for 2026/27. Not tax advice. See GOV.UK for official guidance.