UK Income Tax & NI
UK Take-Home Pay Calculator 2026/27
Convert a UK salary into an estimated monthly or annual net figure. The calculator separates income tax, National Insurance and pension contributions so you can compare job offers or check a payslip.
Official Standards & Rule Matrix
Tax year2026/27 tables built into the calculator
RegionsEngland, Wales, Scotland and Northern Ireland treatment where supported
PensionModel employee pension contributions as a percentage or fixed amount
Pay viewAnnual, monthly, weekly or hourly output
How to use this tool
- Enter the gross annual salary or hourly rate and expected hours.
- Select the UK region and the pension contribution method your employer uses.
- Review income tax, National Insurance and net pay for the year and per month.
- Check the full calculator for student loan repayments, benefits and salary-sacrifice details.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- Does Scotland use different income tax bands?
- Yes. Scottish income tax has different bands and rates from England, Wales and Northern Ireland. Select Scotland in the calculator if you live there.
- Is National Insurance the same as income tax?
- No. National Insurance is a separate contribution with its own thresholds and rates. The calculator shows both so you can see the total deduction.
- Why is my payslip different?
- Pension method, student loan plan, benefits in kind, tax code and payroll timing can all change the result. Use this as an estimate and compare it with your payslip.
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