Tax Handbook
UK tax calculators with the HMRC rules.

Take Home Pay Calculator

Your take-home pay is your gross salary minus income tax, National Insurance, pension contributions, and student loan repayments. For 2026-27, income tax is charged at 20% on earnings from £12,571 to £50,270, 40% from £50,271 to £125,140, and 45% above that. National Insurance is 8% on earnings above £12,570 (monthly threshold £1,048). Enter your details below to see your net monthly pay.

Last reviewed: 15 May 2026 | Verified against 4 HMRC sources | 3 min read

Calculate Your Take-Home Pay

Most people use 1257L. Check your payslip if unsure.

Percentage of gross salary. Auto-enrolment minimum is 5% (3% employee + 2% employer).

Disclaimer: This calculator is for guidance only. Always verify with HMRC or consult a qualified accountant for your specific situation.

How This Works

Personal Allowance

For 2026-27, the personal allowance is £12,570. This is the amount you can earn tax-free each year. If you earn more than £100,000, your personal allowance reduces by £1 for every £2 above that threshold, disappearing entirely at £125,140.1

Income Tax Bands

After your personal allowance, income tax is charged at these rates for England, Wales, and Northern Ireland:2

Band Taxable income Rate
Basic rate £12,571 to £50,270 20%
Higher rate £50,271 to £125,140 40%
Additional rate Over £125,140 45%

Scotland has different bands. Use this calculator for England, Wales, and Northern Ireland only.

National Insurance

Class 1 National Insurance is charged at 8% on weekly earnings between £242 and £967 (annual £12,570 to £50,270), then 2% on anything above £967 per week.3 The monthly threshold is £1,048.

Pension Contributions

Auto-enrolment workplace pensions typically deduct 5% of your gross salary before tax (3% from you, 2% from your employer). Because the deduction happens before tax, you get automatic tax relief. If you're a basic-rate taxpayer, a £100 pension contribution only costs you £80 in take-home pay.

Learn more: Pension tax relief explained

Student Loan Repayments

Student loan repayments are automatically deducted through PAYE if you earn above the threshold for your plan. For 2026-27:4

  • Plan 1: 9% on income above £24,990 (£2,082/month)
  • Plan 2: 9% on income above £27,295 (£2,274/month)
  • Plan 4: 9% on income above £31,395 (£2,616/month)
  • Plan 5: 9% on income above £25,000 (£2,083/month)

Read more: Student loan repayment thresholds

Related Guides

Sources

  1. HMRC, Income Tax rates and Personal Allowances, accessed 15 May 2026.
  2. HMRC, Income Tax rates and allowances 2026-27, accessed 15 May 2026.
  3. HMRC, National Insurance rates and categories, accessed 15 May 2026.
  4. GOV.UK, Repaying your student loan, accessed 15 May 2026.

Last reviewed: 15 May 2026