Take-Home Pay Calculator
See what actually lands in your account each month once Income Tax, National Insurance, student loan repayments and pension contributions come out of your salary.
Your details
Before any deductions, as it appears on your contract.
Scotland has its own Income Tax bands and rates. National Insurance is the same across the UK.
You stop paying employee National Insurance once you reach State Pension age.
Gross amount going into your pension, including provider tax relief but excluding employer contributions.
Adds Blind Person's Allowance (£3,250) on top of your tax-free Personal Allowance.
Advanced options▾
Leave blank to use the standard Personal Allowance. Overrides automatic allowance calculations. S-prefixed codes use Scottish rates; C-prefixed codes use Welsh rates. Unsupported codes use the standard calculation.
Useful if you're checking Income Tax only.
From an adjustment HMRC has given you. Use a negative number for an extra taxable deduction instead.
Updates as you change the figures. No submit button needed.
Result
£2,288
£27,460 per year · 16.5% effective tax rate
How we calculate this
We use 2026/27 Income Tax bands — 20% / 40% / 45% for England, Wales and Northern Ireland, or Scotland's Starter/Basic/Intermediate/Higher/Advanced/Top bands (19% / 20% / 21% / 42% / 45% / 48%) if you tell us you live in Scotland — and employee Class 1 National Insurance (8% up to the upper earnings limit, 2% above it), with the £12,570 Personal Allowance tapered away £1 for every £2 earned over £100,000.
Salary sacrifice reduces taxable and NI earnings. Net pay reduces taxable earnings only. For relief at source you pay 80% of the gross contribution and the provider adds 20%; any further relief shown must be claimed from HMRC. Results are annual estimates after relief, not a payslip prediction. A manual tax code disables the extra relief calculation to avoid double counting relief already in the code. Student and postgraduate loan repayments are estimated at 9% (6% for postgraduate loans) above the relevant plan's threshold, calculated on income after any salary-sacrifice pension. A tax code entered under advanced options overrides the standard Personal Allowance and blind person's allowance — it's a simplified reading of common codes, not a full HMRC tax-code calculation. Only one loan plan is modelled; simultaneous student and postgraduate loans are not included. NI and loan deductions use annual thresholds; actual payroll rounding and uneven pay can differ.
This tool is for general guidance only and is not financial or tax advice. Always check your own circumstances, ideally with a qualified adviser or accountant, before making decisions.
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