Take-Home Pay Calculator
Use our free take-home pay calculator to see what your salary looks like after income tax and National Insurance for the 2026/27 tax year. Enter your annual salary and we will estimate your tax, National Insurance and what actually lands in your account each month and week.
Take-Home Pay Calculator
Estimate your income tax, National Insurance and take-home pay for the 2026/27 tax year.
| Gross salary | £0 |
| Income tax | £0 |
| National Insurance | £0 |
| Take-home per month | £0 |
| Take-home per week | £0 |
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Estimate only, based on 2026/27 rates for England, Wales and Northern Ireland (Personal Allowance £12,570, 20%, 40% and 45% bands; employee NI 8% then 2%). It assumes a standard tax code and no other income, pension or student loan deductions. It is not tax advice.
How your take-home pay is worked out
Your take-home pay is your gross salary minus income tax and National Insurance. For 2026/27, the first £12,570 you earn is covered by the Personal Allowance and is tax free. Income above that is taxed at 20 percent up to £50,270, 40 percent up to £125,140, and 45 percent above that. Employee National Insurance is charged at 8 percent on earnings between £12,570 and £50,270, and 2 percent above £50,270.
Why your take-home pay might be wrong
If you are on the wrong tax code, you can pay too much tax and take home less than you should. It is worth checking your code against our guide to the 1257L tax code and our emergency tax code guide. If you have paid for work expenses such as a uniform, tools or work mileage, you may also be owed a refund on top.
Want to claim back overpaid tax? Check what you are owed with TaxPro on a no win, no fee basis. You can also try our other tax calculators.
Frequently asked questions
Is this calculator accurate for 2026/27?
It uses the 2026/27 rates and thresholds for England, Wales and Northern Ireland. It is an estimate and assumes a standard tax code with no pension, student loan or other deductions.
Does it cover Scotland?
Not yet. Scotland has its own income tax bands, so the figures here apply to England, Wales and Northern Ireland.
Why is my real take-home different?
Pension contributions, student loan repayments, salary sacrifice and a non-standard tax code all change your take-home. A wrong tax code is a common reason people take home less than they should.