UK Take-Home Salary Calculator 2026/27

Estimate take-home pay with UK tax, employee NI, pension contributions and student loans.

Starting figures are examples. Change every value to match your circumstances.

Enter your figures

Gross pay before deductions (£ in the pay frequency selected)

Pay frequency

Income Tax region

Main result period

More options

Additional annual bonus (£ per year, not already included above)

Paid working hours per week (hours; also used for hourly input/results)

Working days per week (days; used for daily results)

Pension deduction method

Pension contribution (% of the pay basis selected below)

Pension percentage applies to

Annual Personal Allowance before taper (£; standard £12,570, reduced above £100,000)

Student loan plan

Postgraduate loan in addition

Employee National Insurance

Updates automatically

Your estimate

Your estimate will appear here when the calculator is ready.

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Request records: 90 days. Inputs/results are not saved in the calculator database. Privacy policy (opens in a new tab).

Before you use the result

For tax year 6 April 2026 to 5 April 2027 only. An annualised estimate, not payroll or a tax-code calculator. The pension percentage applies to full pay, not qualifying earnings. Relief-at-source pensions and pension limits are not modelled. Bonuses are spread across the year; actual NI and student-loan deductions depend on pay periods and rounding. No loan balance, other income or benefits are included.

HMRC 2026/27 rates and thresholds (opens in a new tab)

Calculations run locally unless you choose “Email my estimate”. That action sends your figures to the server for recalculation and email delivery, without saving inputs or results in the calculator database. Enter your own email address. BMI requires separate explicit consent to emailing health data and any ethnicity details you provide. Other site features and mail providers have their own processing. Read the privacy policy.

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UK Take-Home Salary Calculator 2026/27

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