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UK Salary Calculator 2026/27

Enter a salary and see what reaches your bank account. The calculator applies 2026/27 Income Tax bands, employee National Insurance and, if you add them, pension and student loan deductions.

Tax year 2026/27 · Estimates, not personal tax advice

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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.

Rates and rules used

Tax year 2026/27

Default year 2026/27 (6 April to 5 April). 2025/26 and 2024/25 figures are kept for comparison where the calculator offers a year choice.

Independent site, not affiliated with HMRC. Always check GOV.UK for the latest figures.

How this calculation works

  1. 01Start with your gross income and convert it to an annual figure.
  2. 02Take off salary sacrifice and net pay pension contributions.
  3. 03Apply your Personal Allowance, tapered above £100,000 or set by your tax code.
  4. 04Calculate Income Tax band by band using rates for your region.
  5. 05Calculate employee National Insurance on earnings after salary sacrifice.
  6. 06Deduct relief at source pension contributions at 80% of the gross amount.
  7. 07Apply student and postgraduate loan repayments above each threshold.
  8. 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.

Gross versus net salary

Your gross salary is the figure on your contract. Net salary is what's left after PAYE deductions: Income Tax, National Insurance, and anything you've agreed to, such as pension contributions.

For most employees on a standard 1257L code the gap between the two widens as pay rises, because more of each extra pound falls into higher bands.

Using the advanced options

Add your tax code from a payslip if it isn't 1257L. Pick the pension method your employer uses, since salary sacrifice, net pay and relief at source each change the result differently. Student loan plans are applied to earnings above each plan's threshold.

Understanding your salary calculator result

The result separates gross pay from each deduction, so you can see what changes between your contract salary and the amount paid into your bank. Switch the result period to compare job offers or plan a monthly budget without converting the figures yourself.

Comparing a new salary offer

Scenario: Enter the annual salary from the offer, select your region and add the pension percentage and student loan plan shown on your current payslip.

How to use the result: Use the monthly take-home figure for your budget, then compare the yearly pension and loan deductions separately. This gives a fairer comparison than looking at gross salary alone.

Details to check before relying on the estimate

  • Check that the pay figure excludes reimbursed expenses.
  • Use the tax code and pension method from a recent payslip where possible.
  • Treat irregular bonuses and overtime separately rather than adding them to a normal month.

Putting the estimate into perspective

When comparing offers, keep a separate list of benefits and costs that are not cash salary. Employer pension contributions, commuting and paid leave can change the value of an offer without appearing in this take-home total.

Frequently asked questions

How do I convert my gross salary to net?

Enter your gross pay, choose how often you're paid and your part of the UK. We subtract Income Tax and National Insurance, then any pension and student loan you add, to show net pay per year, month, week, day and hour.

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)

Why might my payslip differ from this estimate?

Payroll works period by period, so your tax code, the month you started, bonuses and any underpayments being collected all change the figure on a given payslip. Over a full year with a standard tax code, the totals usually land close to our annual estimate.

Check it on GOV.UK: Tax codes (opens GOV.UK in a new tab)

Does the salary calculator include pension and student loan deductions?

Yes, if you add them. Open the advanced options, choose your pension method and enter any student loan plan. Without them the result shows Income Tax and National Insurance only.

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)

Can I use this calculator for a part-year salary?

The result is an annual estimate. If you started or left a job part-way through the tax year, your real tax depends on your tax code and other income, so treat the figure as a guide to a full year rather than an exact payslip.

Check it on GOV.UK: Tax codes (opens GOV.UK in a new tab)

Related calculators

Related guides

  • How PAYE Tax Works — A plain-English explanation of PAYE: how employers deduct tax, what cumulative coding means, and why your payslip changes month to month.
  • How to Read a UK Payslip — Understand every line on a UK payslip: gross pay, tax code, NI letter, pension, student loan, year-to-date figures and net pay.
  • UK Income Tax Bands 2026/27 — The 2026/27 Income Tax bands for England, Wales, Northern Ireland and Scotland, with worked examples showing how band-by-band tax is calculated.