UK Take-Home Pay Calculator

The main UK deductions are income tax, National Insurance (Class 1 for employees, Class 2 and 4 for the self-employed), student loan repayments, and pension contributions. This calculator shows each deduction clearly, plus your resulting take-home pay.

On the 2026/27 England/Wales/NI rates with no pension or student loan, a £30,000 salary leaves about £25,120 a year (£2,093 a month) after £3,486 income tax and £1,394 National Insurance. A £50,000 salary leaves about £39,520 a year (£3,293 a month). See the worked-examples table above for £20,000 to £100,000.

The 40% higher rate starts once total income passes £50,270 (the £12,570 personal allowance plus the £37,700 basic-rate band). The 45% additional rate starts at £125,140. Both thresholds and the personal allowance are frozen for 2026/27, so pay rises push more income into higher bands ("fiscal drag").

Employee Class 1 NI is 8% on earnings between the £12,570 primary threshold and the £50,270 upper earnings limit, then 2% on everything above. The main rate was cut from 12% to 10% and then to 8% across 2024, which is why take-home rose even though income-tax thresholds stayed frozen.

Gross pay is your earnings before any deductions. Take-home pay (net pay) is what you receive after income tax, National Insurance, student loan repayments, and pension contributions are deducted. HMRC's own service shows the same breakdown for your live PAYE record.

Scotland sets its own income-tax bands: six rates from 19% to 48% instead of England's three. A Scottish taxpayer pays a 21% intermediate rate where the rest of the UK pays 20%, and the 42% higher rate begins at £43,662 — well below the £50,270 rUK threshold. Switch the calculator's region to Scotland to see your exact figure. National Insurance is UK-wide and unaffected.

Above £100,000 your personal allowance is cut by £1 for every £2 earned, disappearing entirely at £125,140. That clawback means each pound between £100,000 and £125,140 is effectively taxed at about 60%. Pension contributions or salary sacrifice that bring income back below £100,000 are the usual way to escape it.

Pension contributions reduce take-home by the contribution amount but usually cut your taxable income via pension tax relief. Salary sacrifice goes further: it reduces gross pay before both income tax AND National Insurance, so the net cost of pension or EV contributions is lower. Enter a percentage or fixed pension figure to see the direct impact.

Yes. Switch the income mode to "Hourly Rate" and enter your hourly wage and hours per week. The calculator computes your gross annual income (rate × hours × 52) and applies all relevant deductions. National Minimum Wage rates set the legal floor for hourly pay.

Student loan repayments are a fixed percentage of income above your plan threshold — for example 9% above £29,385 on Plan 2, or 6% above £21,000 on a Postgraduate Loan. Tick the relevant plan(s) in the calculator; the table below the calculator lists every 2026/27 plan threshold.