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Comparing a job offer?
Use this salary as the first scenario in our two-salary comparison. Only the annual salary and pension percentage are included in the link.
Compare another salaryHave more than one job?
Calculate two employments separately with their own tax codes and National Insurance thresholds, then see a combined take-home estimate.
Use the multiple-employment salary calculatorHow to use the UK Salary Calculator
Enter your pay and select the options that apply to you. The calculator estimates your take-home pay using the selected tax year and displays weekly, monthly, and annual figures.
Enter your pay
Choose whether your amount is annual, monthly, weekly, or hourly. For hourly pay, enter your usual hours per week so the calculator can estimate an annual equivalent.
Choose your tax settings
Select the tax year, check your tax code, and choose the Scottish taxpayer or allowance options that apply to you.
Add pension and student-loan details
Select a salary-sacrifice pension percentage or fixed annual amount, then select any student-loan plans that apply.
Review your estimate
Use the headline, distribution bar, and grouped table to review take-home pay, taxable income, Income Tax, National Insurance, pension, and student-loan deductions.
About this tool
How UK Income Tax is calculated in 2026/27
Income Tax is calculated from your taxable income. For this calculator, taxable income is presented as an estimate based on gross pay, the selected tax code, applicable allowances, and salary-sacrifice pension contributions. The standard Personal Allowance for 2026/27 is £12,570, but it can be reduced for higher incomes or changed by your tax code and circumstances. Above the allowance, the following rates apply in England, Wales and Northern Ireland:
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
The Personal Allowance reduces by £1 for every £2 earned above £100,000, reaching £0 at £125,140. Scottish taxpayers pay different Income Tax rates — select the Scottish taxpayer option to apply them. The tax code and allowance options can also affect the result.
National Insurance in 2026/27
Most employees pay Class 1 National Insurance contributions (NICs) at 8% on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. Salary-sacrifice pension contributions reduce the earnings subject to NI; other pension arrangements may be treated differently.
Pension and salary sacrifice
This calculator models pension contributions as salary sacrifice. Under that arrangement, the selected contribution reduces the pay used for Income Tax and employee NI estimates. Use the percentage slider and precise percentage field, or switch to a fixed annual amount. The calculator does not currently model relief-at-source or other workplace-pension arrangements, which may produce different results.
Student loan repayments
Student loan repayments are collected through PAYE at 9% of earnings above the threshold (6% for postgraduate loans). For 2026/27, the annual thresholds shown by the calculator are £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4, £25,000 for Plan 5, and £21,000 for postgraduate loans. Student loan repayments do not reduce taxable income for Income Tax or NI purposes.
Select the plans that apply to you. The result is an estimate based on the selected pay period and the rules supported by the calculator; your payslip can differ because of payroll timing, rounding, or changes in circumstances.
What this calculator does not include
This calculator currently covers gross pay, salary-sacrifice pension contributions, selected student-loan plans, tax codes, Scottish Income Tax, Blind Person's Allowance, Marriage Allowance transfer, and employee NI exemption. It does not currently provide separate inputs for bonuses, overtime, benefits in kind, childcare vouchers, employer NI, multiple jobs, or relief-at-source pension contributions. If one of these applies to you, treat the result as a guide and check your payslip or seek professional advice.
Frequently Asked Questions
What is the standard personal allowance for 2026/27?
The standard Personal Allowance is <strong>£12,570</strong>. You pay no Income Tax on this amount. It reduces by £1 for every £2 you earn above £100,000, reaching zero at £125,140.
How is National Insurance calculated?
Most employees pay Class 1 NI at <strong>8%</strong> on earnings between £12,570 and £50,270 per year, and <strong>2%</strong> on earnings above £50,270. This calculator models salary-sacrifice pension contributions as reducing the earnings subject to employee NI; other pension arrangements may be treated differently.
Does a pension contribution reduce my tax bill?
Yes — if your employer uses <strong>salary sacrifice</strong> for pensions, your contributions reduce your gross salary before both Income Tax and NI are calculated. This calculator models that correctly via the pension slider.
What does my tax code 1257L mean?
1257L is the standard tax code for most people with one job or pension in 2026/27. The number (1257 × 10 = £12,570) indicates the tax-free amount represented by the code. The "L" means you're entitled to the standard Personal Allowance.
What is the marriage allowance?
If your partner earns below the Personal Allowance, they can transfer £1,260 of their allowance to you — reducing your Income Tax by up to £252. Tick "Marriage allowance transfer" above to model this.
Does this calculate Scottish Income Tax correctly?
Yes — tick "Scottish taxpayer" above to apply the six 2026/27 Scottish rates (19%, 20%, 21%, 42%, 45% and 48%) instead of the rates for England, Wales and Northern Ireland. National Insurance rates are the same across the UK.
Can I calculate my take-home pay for different tax years?
Yes — use the <strong>Tax year</strong> dropdown to switch between 2024/25, 2025/26, and 2026/27. The calculator applies the available tax bands, NI rates, and student-loan thresholds for your selected year.
Does the calculator include bonuses or overtime?
No. The current calculator does not have separate bonus or overtime inputs. If your pay includes these, use the result as a guide only because payroll timing and marginal rates can affect the amount deducted.
Does the calculator include benefits or childcare vouchers?
No. Benefits in kind and childcare vouchers are not separate inputs in the current calculator. They can have different tax and NI treatment, so seek payroll guidance rather than adding them to salary without checking how they are treated.
What is the "No NI" option for?
If you are <strong>over State Pension age</strong>, you no longer pay employee National Insurance contributions. Tick the "No NI" checkbox to remove NI from your calculation while still showing Income Tax and other deductions.
What pension arrangement does this calculator model?
The calculator models the selected pension contribution as <strong>salary sacrifice</strong>. It does not currently model relief-at-source or other pension arrangements, so compare the estimate with your workplace pension statement or payslip.