UK Take Home Pay Calculator
Find out how much salary you will actually receive after tax and deductions using the UK Take Home Pay Calculator. Get an accurate gross-to-net salary breakdown including Income Tax, National Insurance, PAYE, pension contributions, and other adjustments.
Calculate Your Take Home Pay After Tax
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HOW IT WORKS
How to Use Take Home Pay Calculator
Your Take Home Pay in 3 Simple Steps. Using the UK salary calculator is straightforward. To get an accurate take home pay calculation, you will need to select your tax year, adjust the number of days and hours you work, and enter your gross salary. Each of these steps plays an important role in getting the result right. Simply follow these steps in Take Home Pay Calculator:
Enter your Gross Salary
Type your gross salary (amount before any deductions). Select whether this is your annual, monthly, weekly or hourly rate. Use the figure on your contract or payslip.
Add your details
Select your tax region and tax year. Optionally add pension, student loan, or other deductions.
See your results
Instantly see your results inside the take home pay calculator broken down by year, month, week, and day. Download as PDF.
Whether you work in London, England, Scotland, Wales, or Northern Ireland, your take-home pay can vary depending on tax rules and deductions. This online take-home pay calculator lets you work out how much of your salary you will actually receive after tax, based on your income and location. Last Updated: April 2026 Tax rates are reviewed every April. Next update: April 2027.
TAX GUIDE
How is Your UK Take-Home Pay Calculated?
Your gross salary is used to calculate your take-home pay. A take home pay calculator helps you estimate your net salary by applying the same key deductions that could affect how much you actually earn. HMRC then makes any deductions that apply to your situation. These deductions can be things like Income Tax, National Insurance, workplace pension contributions and student loan repayments made through your workplace.
Your take home pay may vary depending on your income, your personal circumstances and your tax code. Using a take home pay calculator can help you understand how these deductions affect your payslip and estimate your net income more accurately before you get paid.
Income Tax & Personal Allowance
A take home pay calculator uses the latest Income Tax bands and your Personal Allowance to estimate how much tax you pay and how much salary you keep. You pay 0 Income Tax on the first £12,570 you earn (Personal Allowance). Earnings above this threshold are taxed progressively in bands, meaning only the portion of your income within each band is taxed at that rate, not your entire salary.
Tax Band | Rate |
£0 – £12,570 | 0% (Personal Allowance) |
£12,571 – £50,270 | 20% (Basic Rate) |
£50,271 – £125,140 | 40% (Higher Rate) |
Over £125,140 | 45% (Additional Rate) |
Income Tax Bands England, Wales & Northern Ireland (2026/27)
Scotland: Different Tax Bands Apply
Scottish taxpayers pay Income Tax under six separate bands (Starter 19%, Scottish Basic 20%, Intermediate 21%, Higher 42%, Advanced 45%, Top 48%). Select ‘Scotland’ in the take home pay calculator for an accurate figure.
National Insurance (NI) Contributions
Employees contribute Class 1 National Insurance at a rate of 8% on earnings that fall between £12,570 and £50,270 and pay 2% on any income above that threshold. Your employer pays an additional 15% on earnings above £5,000. This does not get deducted from your take-home pay. In the take home pay calculator, National Insurance shows as its own row in the results breakdown.
NI Band | Weekly Earnings | Employee Rate |
Below PT | Under £242/week | 0% |
Standard Rate | £242 – £967/week | 8% |
Upper Rate | Over £967/week | 2% |
PAYE & Tax Codes
PAYE, which stands for Pay As You Earn, is the system that HMRC uses to collect tax straight from your employer before you receive your pay. Your tax code (e.g., 1257L) tells your employer exactly how much to deduct each month. If you have the wrong tax code, you might be paying too much or too little tax without even knowing it.
Student Loan Repayments in Take Home Pay Calculator
Repayments are automatic once your salary crosses your plan’s threshold. The rate only applies to the portion of your earnings that exceeds the threshold, not to your whole salary.
Loan Plan | Repayment Threshold | Rate |
Plan 1 | £26,900/year | 9% above threshold |
Plan 2 | £29,385/year | 9% above threshold |
Plan 4 (Scotland) | £33,795/year | 9% above threshold |
Plan 5 | £25,000/year | 9% above threshold |
Postgraduate | £21,000/year | 6% above threshold |
Workplace Pension & Salary Sacrifice
In the UK, most employees are automatically signed up to a workplace pension scheme. The standard minimum contributions are 5% from the employee and 3% from the employer, meaning both sides pay into the pension.
With Salary Sacrifice, your gross salary is reduced before tax is calculated, which means both Income Tax and National Insurance contributions come out lower as a result. This means you save some tax while also growing your retirement pot.
Adding your pension amount into a UK take home pay calculator lets you see your exact net salary after tax, National Insurance, and pension have all been accounted for.
Dividend Tax
If you receive dividend income alongside your salary, this is taxed separately and at lower rates than employment income, after your salary and savings interest have used up your Personal Allowance.
Income Tax Band | Dividend Tax Rate |
Basic Rate | 10.75% |
Higher Rate | 35.75% |
Additional Rate | 39.35% |
You get a tax-free Dividend Allowance of £500 per year before any dividend tax applies.
Savings Interest
Savings interest is liable to Income Tax but not National Insurance. Most people can earn some interest completely tax-free through the Personal Savings Allowance.
Income Tax Band | Personal Savings Allowance |
Basic Rate | £1,000 |
Higher Rate | £500 |
Additional Rate | £0 |
If your other income is below £17,570, you may also qualify for the Starting Rate for Savings up to £5,000 of interest tax-free. This reduces by £1 for every £1 of other income above your Personal Allowance.
Popular Salary Breakdowns
What Does Your Take Home Pay Actually Mean?
Take-home pay is the exact amount of money you actually get to keep and spend from your total salary. Your contract might state you earn, say, £35,000 a year, but that’s not what actually lands in your bank account.
HMRC rules mean that before your salary arrives, you will have to have certain deductions made: Income Tax, National Insurance, and sometimes, pension contributions. That’s your real, usable income after these cuts. The number that really matters for your day-to-day budgeting and you can calculate it easily using a take home pay calculator.
When people ask ‘how much will I actually get paid?’, they mean take home pay, not the gross salary written on the contract.
Term | Definition |
Gross Salary | Total earnings before any deductions, the number on your contract |
Net Salary | Money in your bank account after Income Tax, NI, and pension are removed |
Personal Allowance | First £12,570 you earn each year is completely tax-free (2026/27) |
Tax Code | HMRC code that tells how much tax is deducted (default: 1257L) |
Adjusted Net Income | Your total taxable income after certain reliefs are used to check thresholds like the High Income Child Benefit Charge and tapered Personal Allowance |
Take Home Pay Calculator Chart
Visualise your complete salary breakdown with our interactive Gross Income, Take-Home Pay, and Taxable Income chart. A take home pay calculator helps you see at a glance how your final net salary is calculated across popular UK annual salary bands, based on the standard 2026/27 tax codes and current personal allowance thresholds.
This detailed take home pay calculator visual breakdown shows Income Tax, NI, and pension deductions for 2026/27. Figures are illustrative for specific details including tax code, student loan, and pension, net to gross calculator uk a full breakdown is required.
Understanding Your Tax Code
Your tax code indicates to your employer how much tax-free income you are entitled to before deductions start. One of the most common reasons people overpay or underpay their taxes is that they make a mistake. Here’s what the most common codes mean:
Tax Code | What It Means |
1257L | Standard tax-free Personal Allowance (£12,570) |
****M | You’re receiving Marriage Allowance (10% of your partner’s Personal Allowance) |
****N | You’ve transferred 10% of your Personal Allowance to your partner |
****T | Your tax code includes other calculations affecting your Personal Allowance |
K**** | You have income that isn’t being taxed elsewhere, and it’s worth more than your tax-free allowance |
0T | Your Personal Allowance has been used up, or you’re in a new job without a tax code |
BR | All your income from this job/pension is taxed at the Basic Rate (common for second jobs) |
D0 | All your income is taxed at the Higher Rate |
D1 | All your income is taxed at the Additional Rate |
NT | No tax is being deducted from this income |
If tax code ends in W1, M1, or X, you’re on an emergency tax code.
Think your tax code is wrong? You can check it via the HMRC app or by calling HMRC. An incorrect tax code can mean you’re overpaying tax every month without realising it.
National Insurance Categories
Most employees are in Category A, but your category can affect how much NI you pay. Here’s the full breakdown:
Category | Who It’s For |
A | All employees except groups B, C, H, J, M, V, and Z listed in this table |
B | Married women and widows with reduced NI election |
C | Employees above State Pension age |
F | Freeport employees (not in groups I, L, or S) |
H | Apprentices under 25 |
I | Married women/widows in freeports with reduced NI |
J | Employees deferring NI due to another job |
L | Freeport employees deferring NI due to another job |
M | Employees under 21 |
S | Freeport employees over State Pension age |
V | Veterans working for the first time after leaving the military |
Z | Employees under 21 postponing National Insurance owing to another job |
Smart Tips for Maximising Your Take-Home Pay Legally
Take home pay calculator can help you estimate how much you could save by applying different tax-efficient strategies before you make financial decisions. These HMRC-compliant strategies can meaningfully increase what lands in your bank account each month.
1. Check and Correct Your Tax Code
HMRC issues the wrong tax code more often than you’d think. If your code is incorrect, you may be overpaying tax every month. Check via the HMRC app or call +44 135 535 9022 to request a correction and trigger a refund.
2. Use Salary Sacrifice Schemes
Pension salary sacrifice, Cycle to Work, and electric car leasing schemes let you swap part of your gross salary for non-cash benefits, reducing your taxable income and lowering your National Insurance liability.
3. Understand Taxable
Company cars, private health insurance, and employer-paid fuel are classed as Benefits in Kind and are added to your taxable income. Factor these into the take home pay calculator to avoid a surprise tax bill at year end.
4. Use Your Savings & Dividend Allowances
If you have savings or investment income, make sure you’re not missing your tax-free Personal Savings Allowance (up to £1,000) or Dividend Allowance (£500); both are easy to overlook and can quietly reduce your take-home value.
How much do you pay in taxes?
Tax is applied to different parts of your salary and each part has its own rate of tax. For example if someone’s salary in the UK is £60,000 here’s how it breaks down:
1. The first £12,570 is taxed at 0%
2. The next slice from £12,571 to £50,270 is taxed at 20%. This is the Basic Rate
3. The remaining amount from £50,271 to £60,000 is taxed at 40% and this is the Higher Rate
Your salary will always be split into these bands to work out the tax, no matter how much you earn. The first £12,570 is always free from tax. The next slice is taxed at 20 percent. It applies only to the portion above £50,270. The lower part of the same salary still stays at 20%.
Our UK Take Home Pay Calculator is designed to give you a clear estimate of your after-tax salary by considering factors such as gross income, tax deductions, National Insurance, and other salary adjustments.
Child Benefit & High Income Charge
The High Income Child Benefit Charge (HICBC) may require you or your partner to pay back part or all of your Child Benefit if your Adjusted Net Income exceeds £60,000.
Current rates:
Eldest or only child
£27.05/week
Each additional child
£17.90/week
How the charge works:
For every £200 of income exceeding £60,000, you refund 1% of your Child Benefit. When your income hits £80,000, the penalty equals 100% of your Child Benefit payment.
Worked example: Earning £70,000 with one child receiving £1,406.60/year in Child Benefit would repay 50% of it, around £703.30, through the charge.
Calculation uses whichever partner has the higher income and includes taxable benefits, savings interest, and dividends, not just salary.
Gift Aid Boosting Your Donations
When you donate to a registered charity through Gift Aid, the charity claims an extra 25p for every £1 you give at no extra cost to you. If you’re a higher or additional rate taxpayer, you can also claim back the difference between your tax rate and the basic rate through Self Assessment.
Example: You donate £100 → charity receives £125. If you’re a higher rate (40%) taxpayer, you can personally claim back £25 via Self Assessment.
UK Net Salary Table At a Glance
This quick-reference table provides an instant overview of your estimated net pay across popular UK annual salary bands for the 2026/27 tax year. Take home pay calculator uses the standard 1257L tax code, it breaks down exactly how much you take home after Income Tax and National Insurance adjustments. Use these benchmarks to quickly verify your earnings or compare different salary brackets at a single glance.
Here is Gross to net income table chart with the most popular average salaries and calculated take home pay, actual percentage paid on taxes.
Gross Income (Yearly) | Take-Home Pay (Yearly) | Take-Home Pay (Monthly) | Effective Deduction Rate |
£15,000 | £14,320 | £1,193 | 4.53% |
£20,000 | £17,920 | £1,493 | 10.4% |
£25,000 | £21,520 | £1,793 | 13.92% |
£30,000 | £25,120 | £2,093 | 16.26% |
£35,000 | £28,720 | £2,393 | 17.94% |
£40,000 | £32,320 | £2,693 | 19.20% |
£45,000 | £35,920 | £2,993 | 20.18% |
£50,000 | £39,520 | £3,293 | 20.96% |
£60,000 | £45,357 | £3,780 | 24.40% |
£75,000 | £54,057 | £4,505 | 27.92% |
£100,000 | £68,557 | £5,713 | 31.44% |
Built for Your Situation
Specialist UK Pay Calculators
Depending on your profession or employment type, your tax situation may require a specialised take home pay calculator. Use our dedicated tools below to get an exact estimate:
NHS Take-Home Pay Calculator
Tailored for healthcare professionals, this tool covers all Agenda for Change pay bands (1–9), NHS pension contribution adjustments, and unsocial hours enhancements.
Hourly Calculator
Convert an hourly rate into annual take-home pay, or work out the hourly rate behind a salary, using 2026/27 tax rates.
Pro Rata Salary Calculator
Turns any full-time salary into your real pay by hours, days or FTE, including term-time contracts.
Overtime Calculator
Works out your overtime rate and gross overtime pay at any multiplier, then shows what you keep on this payslip and by the end of the tax year.
Frequently Asked Questions
About This Calculator
TakeHomePayPro is designed to provide you with a quick, accurate estimate of your UK take-home pay based on HMRC’s stated rates for the 2026/27 tax year. Every April, when the new tax year rates are issued, we evaluate and update our numbers.
This is an estimate and not financial advice. Your real take-home pay may vary depending on your individual circumstances. For personal financial decisions, please contact HMRC or a licensed financial adviser.