Enter your salary, where you pay income tax, any pension contribution and your student loan plan. The calculator shows your take-home pay for the 2026/27 tax year, a year, a month and a week, with each deduction.
| A year | A month |
|---|
To see take-home pay at many salaries at once, without a pension or student loan, see take-home pay by salary, from £15,000 to £150,000.
The calculator works on a whole year at one salary with the standard tax code and standard employee National Insurance rates, for someone under State Pension age. It doesn’t cover benefits in kind, relief at source pensions (where you pay from take-home pay and the provider claims the tax relief) or the High Income Child Benefit Charge.
How the calculator works
It takes off each deduction in turn.
- Pension. Through a net pay arrangement your contribution comes off before income tax, but National Insurance and student loan are worked out on your full salary. With salary sacrifice your salary itself is lower, so every deduction below is worked out on the lower figure.
- Personal Allowance. The first £12,570 is tax-free. It goes down by £1 for every £2 of income over £100,000, so there is no Personal Allowance on income over £125,140.
- Income tax on the rest, at the rates for where you live (below).
- National Insurance: 8% on earnings between £12,570 and £50,270 a year, and 2% above that.
- Student loan: 9% of your pay over your plan’s threshold, plus 6% over £21,000 if you have a postgraduate loan.
Income tax rates in England, Wales and Northern Ireland
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | Up to £50,270 | 20% |
| Higher rate | Up to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
The bands assume the standard Personal Allowance. If yours is reduced, the bands start lower.
Scotland and the rest of the UK
You pay Scottish Income Tax if you live in Scotland. Your tax code then starts with an S. Scotland sets its own bands and rates for earnings and pensions; savings interest and dividends are taxed at the UK rates. Choose Scotland in the calculator to use these bands:
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | Up to £16,537 | 19% |
| Basic rate | Up to £29,526 | 20% |
| Intermediate rate | Up to £43,662 | 21% |
| Higher rate | Up to £75,000 | 42% |
| Advanced rate | Up to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
National Insurance is the same across the UK, so the difference in take-home pay is the difference in income tax. On the same salary, with no pension or student loan:
| Salary | Take-home: England, Wales and NI | Take-home: Scotland | Difference a year | A month |
|---|---|---|---|---|
| £20,000 | £17,920 | £17,959 | +£39 | +£3 |
| £25,000 | £21,520 | £21,559 | +£39 | +£3 |
| £30,000 | £25,120 | £25,155 | +£35 | +£3 |
| £35,000 | £28,720 | £28,705 | -£15 | -£1 |
| £40,000 | £32,320 | £32,255 | -£65 | -£5 |
| £45,000 | £35,920 | £35,524 | -£396 | -£33 |
| £50,000 | £39,520 | £38,024 | -£1,496 | -£125 |
| £60,000 | £45,357 | £43,607 | -£1,750 | -£146 |
| £80,000 | £56,957 | £54,657 | -£2,300 | -£192 |
| £100,000 | £68,557 | £65,257 | -£3,300 | -£275 |
| £150,000 | £91,286 | £85,355 | -£5,931 | -£494 |
A plus sign means a Scottish taxpayer takes home more; a minus sign means less. The full table for every salary is on take-home pay by salary. How Scottish Income Tax fits with Scotland’s other taxes and benefits is covered in money in Scotland.
Student loan thresholds
| Plan | You repay on pay over |
|---|---|
| Plan 1 | £26,900 a year |
| Plan 2 | £29,385 a year |
| Plan 4 (Scotland) | £33,795 a year |
| Plan 5 | £25,000 a year |
| Postgraduate loan | £21,000 a year |
Gross pay and net pay
Gross pay is your salary before anything is taken off. Net pay, or take-home pay, is what is left after income tax, National Insurance and any pension and student loan deductions: the figure this calculator works out. See gross vs net income for how the two appear on a payslip.
Why your take-home pay can change
- A pay rise that crosses a threshold. Income above £50,270 is taxed at the higher rate, and above £100,000 the Personal Allowance starts to go. Take-home pay by salary shows how much of each extra pound you keep.
- Your tax code. A code other than the standard one changes how much tax payroll takes. See the tax code guides.
- A student loan or pension contribution starting, or changing, comes off each payslip.
- Payslip timing. Payroll works out deductions each pay period, so a bonus or overtime in one month can change that month’s tax and National Insurance.
For more on pay rises and payslips, see pay and benefits; for the bands and allowances themselves, the Income Tax guides; and for pension and car schemes, the salary sacrifice calculator.