Know your pay before payday
UK Tax Calculator 2026/27
Calculate your UK take-home pay, Income Tax and National Insurance for the 2026/27 tax year. Type your salary and the summary updates as you go.
| Your Income Summary | Yearly | Monthly | |
|---|---|---|---|
| Gross Income | £0 | £0 | £0 |
| Tax Free Income | £12,570 | £1,048 | £242 |
| Taxable Income | £0 | £0 | £0 |
| Income Tax | £0 | £0 | £0 |
| National Insurance Contributions | £0 | £0 | £0 |
| Total Deductions | £0 | £0 | £0 |
| Take Home Income | £0 | £0 | £0 |
| Difference from 2025/26 | +£0 | +£0 | +£0 |
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Detailed take-home pay calculator
Add your tax code, Scottish or Welsh residence, salary sacrifice, benefits in kind, postgraduate loan or NI category, and see your pay by year, month, week, day and hour. Personal Allowance for 2026/27: £12,570; higher rate starts at £50,271 outside Scotland.
Your results
Enter your salary to see take-home pay by year, month, week, day and hour.
Using 2026/27 rates (6 April 2026 to 5 April 2027). Nothing you enter is stored or sent anywhere.
Take-home pay at a glance
All salary breakdownsEngland, 2026/27, standard 1257L tax code, no pension or student loan.
Making sense of your pay estimate
A pay rise is not all take-home pay
The difference between two gross salaries is not the amount that reaches your bank account. Tax, National Insurance and any pension or loan deductions affect what is left. Our salary comparison keeps the two estimates side by side.
Why a payslip can look different
A yearly estimate spreads income across a full tax year. A bonus, a mid-year job change or a payroll adjustment can make one month's deductions look different. Read why tax calculators disagree before treating a difference as an error.
The assumptions behind the number
An estimate is only useful when its assumptions match your circumstances. Our calculation method explains how annual pay becomes a result, what is included and which situations need a separate check.
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How we calculate your take-home pay
- 01Start with your gross income and convert it to an annual figure.
- 02Take off salary sacrifice and net pay pension contributions.
- 03Apply your Personal Allowance, tapered above £100,000 or set by your tax code.
- 04Calculate Income Tax band by band using rates for your region.
- 05Calculate employee National Insurance on earnings after salary sacrifice.
- 06Deduct relief at source pension contributions at 80% of the gross amount.
- 07Apply student and postgraduate loan repayments above each threshold.
- 08Subtract everything to reach estimated net pay, then split it by period.
Real payroll can differ because tax and NI are worked out per pay period, and your tax code may include adjustments HMRC hasn't told you about. See our methodology.
Frequently asked questions
How much tax will I pay on my salary?
It depends on your salary, where you live and deductions like pension. In England in 2026/27, a £35,000 salary pays about £4,486 Income Tax and £1,794 National Insurance. Enter your own figure above for an exact estimate.
Check it on GOV.UK: Tax on your private pension (opens GOV.UK in a new tab) · National Insurance rates and category letters (opens GOV.UK in a new tab)
How is UK Income Tax calculated?
Income above your Personal Allowance is split into bands, each taxed at its own rate: 20%, 40% and 45% in England, Wales and Northern Ireland, with six bands in Scotland.
Check it on GOV.UK: Income Tax rates and allowances (opens GOV.UK in a new tab)
Why is my take-home pay different from my gross salary?
Your employer deducts Income Tax, National Insurance and, where relevant, pension contributions and student loan repayments before paying you.
Check it on GOV.UK: Repaying your student loan (opens GOV.UK in a new tab) · Tax on your private pension (opens GOV.UK in a new tab)
Does Scotland have different Income Tax rates?
Yes. Scotland has six bands from 19% to 48%. National Insurance is the same across the UK.
Check it on GOV.UK: Scottish Income Tax (opens GOV.UK in a new tab) · Income Tax rates and allowances (opens GOV.UK in a new tab)
Do pension contributions reduce taxable income?
Yes. Depending on the scheme, they're taken before tax is calculated or they extend your basic rate band, so you get relief at your highest rate.
Check it on GOV.UK: Tax on your private pension (opens GOV.UK in a new tab) · Income Tax rates and allowances (opens GOV.UK in a new tab)
How does a second job affect tax?
Your Personal Allowance is normally used by your main job, so a second job is taxed from the first pound, usually with a BR code. Your total tax for the year doesn't increase just because income is split between jobs.
Check it on GOV.UK: Tax codes (opens GOV.UK in a new tab) · Income Tax rates and allowances (opens GOV.UK in a new tab)