Primary calculator
UK Take-Home Pay Calculator
Enter your salary to see your take-home pay after tax, National Insurance, pension, and student loan. Use it for straightforward salaries, salary sacrifice planning, or irregular income where commission or bonuses change the picture.
General2026/27 / Scotland / Standard code
2026/27
2026/27 / Scotland / 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
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
Start here if your income changes month to month, or if you are using the calculator to understand code changes, salary sacrifice, or why net pay shifts at certain salary bands.