Calculator
Take-home pay calculator
Last updated: .
Enter your salary to estimate income tax, employee Class 1 National Insurance and take-home pay for the 2026/27 tax year. It covers England, Wales and Northern Ireland — Scotland has different income tax bands and isn’t covered here.
Illustrative only, not financial advice. Results depend entirely on the figures you enter. Figures filled in below are labelled “Example figure” — they aren’t live rates, offers or recommendations.
Estimate your take-home pay
Your illustrative results
- Income tax (year)
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- National Insurance (year)
- –
- Take-home pay (year)
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- Take-home pay (month)
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- Personal Allowance
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- Tax and NI as % of pay
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Tax on income above your Personal Allowance, band by band.
Employee Class 1 NI, category A.
Gross pay minus income tax and NI.
Yearly take-home ÷ 12.
Tax-free amount after any taper over £100,000.
Combined deductions as a share of gross pay.
| Part | Amount |
|---|
How this take-home pay calculator works
It applies the yearly bands above to your gross pay. In practice, employers work out tax and NI each pay period, so monthly payslips can differ slightly — especially if your pay changes during the year. It doesn’t include pension contributions, salary sacrifice, student loan repayments, benefits in kind or other tax codes.
Things to check
- Your tax code on your payslip or HMRC account — it can change your Personal Allowance.
- Pension contributions and student loan deductions, which reduce take-home pay.
- How your take-home pay fits a budget — try the 50/30/20 budget calculator.
The formulas we use
Personal Allowance: PA = £12,570 − floor((income − £100,000) ÷ 2) for income over £100,000, never below £0.
Taxable income: income − PA. Income tax: 20% of the first £37,700 + 40% of taxable income from £37,700 to £125,140 + 45% above £125,140.
Employee NI: 8% of pay between £12,570 and £50,270 + 2% of pay above £50,270 (worked out on a yearly basis here).
Take-home pay: Take-home = Gross − Tax − NI.
Rates and thresholds used
| Item | Threshold | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Personal Allowance taper | Income over £100,000 | £1 less for every £2 |
| Employee NI (category A) | £12,570 to £50,270 a year | 8% |
| Employee NI above upper earnings limit | Over £50,270 a year | 2% |
Sources: GOV.UK Income Tax rates and GOV.UK rates and thresholds for employers 2026 to 2027 (checked 3 October 2026).
Scotland sets its own income tax bands, so this calculator isn’t accurate for Scottish taxpayers. National Insurance is the same across the UK.
FAQ
Does this work if I live in Scotland?
No. Scotland has different income tax bands. The NI figures would still apply, but the income tax would differ.
Why is my payslip different?
Your tax code, pension contributions, student loan, benefits in kind and the way tax is worked out each pay period can all change the figures.
What is the Personal Allowance taper?
For income over £100,000, the Personal Allowance falls by £1 for every £2, reaching £0 at £125,140.
Does this calculator store my figures?
No. Everything is worked out in your browser and nothing is stored or sent anywhere.
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