What's My Take Home

UK Take Home Pay Calculator

2026/27

Calculate your net salary after tax, National Insurance, pension, and student loan deductions. Results update instantly as you type.

Updated for the 2026/27 tax year · Last reviewed April 2026

How UK Income Tax Works in 2026/27

In the UK, income tax is calculated using a progressive system. You have a personal allowance (currently £12,570) on which you pay no tax. Income above this is taxed at increasing rates as you earn more. If you're paid by the hour, use our hourly rate to salary converter to find your annual equivalent before using this calculator.

National Insurance contributions are also deducted from your pay. As an employee, you pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above that. If you're comparing two job offers, our side-by-side salary comparison tool shows the true take-home difference after all deductions. For a one-off payment, see how much of your bonus you keep.

2026/27 Tax Rates and Thresholds

BandTaxable IncomeRate
Personal AllowanceUp to £12,5700%
Basic Rate£12,570 to £50,27020%
Higher Rate£50,270 to £125,14040%
Additional RateOver £125,14045%

Personal Allowance taper: If you earn over £100,000, you lose £1 of your tax-free Personal Allowance for every £2 earned above this threshold. This means your allowance reaches £0 at £125,140, creating an effective 60% tax rate on income between £100,000 and £125,140.

Student Loan Repayment Thresholds

PlanThresholdRate
Plan 1£26,9009%
Plan 2£29,3859%
Plan 4£33,7959%
Plan 5£25,0009%
Postgraduate£21,0006%

Quick Salary Lookups

See a full tax breakdown for common UK salaries:

£25,000 After Tax£30,000 After Tax£35,000 After Tax£40,000 After Tax£50,000 After Tax£60,000 After Tax£75,000 After Tax£100,000 After Tax

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Frequently Asked Questions

How is my take home pay calculated?
Your take home pay is calculated by subtracting income tax, National Insurance contributions, pension contributions, and any student loan repayments from your gross salary. The calculator uses the latest HMRC rates for the 2026/27 tax year.
What tax code should I use?
Most people are on the standard tax code 1257L, which gives a personal allowance of £12,570. You can find your tax code on your payslip, P45, P60, or by logging into your HMRC personal tax account. If unsure, the default 1257L is a good starting point.
What is salary sacrifice?
Salary sacrifice means you agree to reduce your gross salary in exchange for a benefit, such as increased employer pension contributions. This reduces the amount of salary subject to both income tax and National Insurance, potentially saving you more compared to making pension contributions from your net pay.
How does the personal allowance taper work?
If your adjusted net income exceeds £100,000, your personal allowance is reduced by £1 for every £2 over this threshold. This means your personal allowance reaches zero at £125,140, creating an effective 60% marginal tax rate in this income band.
Which student loan plan am I on?
Plan 1 applies if you started before September 2012 in England/Wales, or any time in Northern Ireland or Scotland. Plan 2 applies if you started after September 2012 in England/Wales. Plan 4 is for Scottish loans started after 1998. Plan 5 is for courses starting from August 2023.