UK Take-Home Pay Calculator
Enter your salary to see your take-home pay after tax, National Insurance, pension and student loan. Updated for the 2026/27 tax year.
General2026/27 / England / Standard code
2026/27
2026/27 / England / Standard code
PensionNo pension contribution entered
No pension contribution entered
Student loanNo student loan
No student loan
AllowancesNo extra allowances or NI changes selected
No extra allowances or NI changes selected
Family0 children selected
0 children selected
Salary sacrificeModel one or more pre-tax schemes inside the main calculator flow
Model one or more pre-tax schemes inside the main calculator flow
Switch schemes on here to see the impact across your summary, detailed view, and explainer payslip.
Model the annual pre-tax amount you would exchange for a bike package.
Uses your current annual salary and assumes 260 working days in a year.
Uses the gross monthly sacrifice and applies a simple EV benefit-in-kind tax estimate for the selected tax year.
Model an extra annual pension salary sacrifice on top of your baseline pension.
Ready when you are
Enter your salary to build your take-home pay view
You can model tax, pension, student loan, and salary-sacrifice choices in one place.
- Your take-home pay after tax, NI, pension and student loan
- A branded payslip explainer in a familiar format
- Your effective and marginal tax rates
- Salary-sacrifice modelling for bikes, holiday buy, EVs and pension increases
How the calculator is modelled
This calculator runs on the same tax-year engine used across salary pages and the payslip checker, so the headline numbers and the explanatory content stay aligned.
- Uses HMRC-based PAYE, NI, pension, and student-loan assumptions
- Updated for the 2026/27 tax year, including Scottish rate support
- Useful for salary sacrifice planning because it shares the same assumptions as the guide content
Guides that pair with this calculator
These are the best next reads if you are using the calculator to understand code changes, salary sacrifice, or why net pay shifts at certain salary bands.