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UK Salary & Take-Home Calculator

Calculate exactly how much you'll keep after Tax, NI, and Pension in 2026/27.

£
info Calculation assumes standard 1257L tax code.

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Estimated Monthly Net

£3,229

Yearly Net

£38,745

Weekly Net

£745

Daily Net

£149

Total Deductions

£21,255

receipt
Breakdown Yearly Monthly
Gross Salary £60,000 £5,000
Pension (Before Tax) £3,000 £250
Income Tax £12,092 £1,008
National Insurance £4,636 £386
Take-Home Pay £38,745 £3,229

Income Tax Breakdown

Tax-Free Allowance (0%) £0
Basic Rate (20%) £0
Higher Rate (40%) £0
Additional Rate (45%) £0
Total Income Tax £0

How UK Salary Tax is Calculated?

Your take-home pay is what's left after deductions. For most employees, this includes Income Tax and National Insurance. If you contribute to a workplace pension, this is also deducted from your gross pay before most taxes are applied. For the 2026/27 tax year, calculations use the latest confirmed thresholds.

Personal Allowance (£12,570)

The amount of income you can earn each year without paying any Income Tax. Frozen until 2028.

National Insurance (2026 Rates)

The main employee rate is 8% for earnings between £12,570 and £50,270, and 2% for anything above.

Tax Band Taxable Income Tax Rate
Personal Allowance Up to £12,570 0%
Basic Rate £12,571 to £50,270 20%
Higher Rate £50,271 to £125,140 40%
Additional Rate Over £125,140 45%
Note: Your Personal Allowance goes down by £1 for every £2 that your adjusted net income is above £100,000. This means your allowance is zero if your income is £125,140 or above.

Optimizing Your Take-Home

Many people use"Salary Sacrifice" schemes for pensions or company cars to reduce their taxable income, which can lower both Income Tax and NI bills.

Student Loans

Repayments are calculated on your gross income above a specific threshold, depending on your plan:

  • • Plan 1: 9% above £24,990
  • • Plan 2: 9% above £27,295
  • • Postgrad: 6% above £21,000

How this calculator works

This salary calculator starts with your gross annual pay, then estimates pension deductions, Income Tax, employee National Insurance and optional student loan repayments. The remaining amount is shown as your approximate yearly, monthly, weekly and daily take-home pay.

Assumptions used

  • This page is designed for common UK employee pay scenarios and uses the tax-year settings shown in the calculator.
  • Pension impact is estimated using a simplified percentage deduction and does not model every workplace pension arrangement.
  • Student loan repayments depend on the selected plan and current thresholds, but exact payroll treatment may vary slightly in practice.
  • The result is intended for planning and comparison rather than payslip reconciliation.

Frequently asked questions

Why is take-home pay lower than expected?

Because the calculator subtracts multiple deductions, not just Income Tax. National Insurance, pension contributions and student loan repayments can all materially reduce net pay.

Does this include salary sacrifice?

Not fully. The page gives a useful estimate, but employer-specific salary sacrifice arrangements can change taxable pay and National Insurance outcomes in more detail.

Can I use this for budgeting?

Yes. It is useful for comparing job offers, reviewing pension changes and estimating monthly affordability, but it should still be checked against payroll information for exact figures.

Is this tax advice?

No. It is an informational estimate only. For official figures or personal tax questions, you should refer to HMRC or a qualified adviser.