Take-Home Pay Calculator 2026/27

Your take-home pay is your gross salary minus income tax, National Insurance contributions, student loan repayments, and pension contributions. Our calculator uses the official HMRC rates for the 2026/27 tax year.

The personal allowance is £12,570 — the amount you can earn before paying income tax. It is tapered by £1 for every £2 earned above £100,000, disappearing entirely at £125,140.

Yes. Scotland has its own income tax bands: starter rate 19%, basic rate 20%, intermediate rate 21%, higher rate 42%, advanced rate 45%, and top rate 48%. Our calculator supports both Scottish and rUK (England, Wales, Northern Ireland) tax bands.

Employee National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. Employer NI is charged at 15% on salary above £5,000 per employee per year (from April 2025).

Pension contributions made through salary sacrifice reduce your gross pay before tax is calculated, saving both income tax and National Insurance. A 5% pension contribution on a £40,000 salary saves approximately £550 per year. Standard contributions from net pay receive tax relief added to your pension but do not reduce NI.

Plan 1 (pre-2012 university entry) repayments are charged at 9% on earnings above £24,990. Plan 2 (post-2012) has a threshold of £27,295 with the same 9% rate. Plan 4 applies to Scottish students. Postgraduate Loan repayments are 6% above £21,000 and stack on top of undergraduate repayments.