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UK Take-Home Pay Calculator 2026/27 (Tax & NI)

UK take-home pay after Income Tax and National Insurance for 2026/27, including Scotland.

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Good to know: Personal Allowance £12,570. England, Wales and Northern Ireland: 20% on the next £37,700, 40% up to £125,140, then 45%. Scotland: 19%, 20%, 21%, 42%, 45% and 48%. National Insurance: 8% between £12,570 and £50,270, 2% above. Rates checked on 11 November 2026.

How to use it (step by step)

  1. 1Type your yearly salary in pounds, before tax.
  2. 2Choose where you live. Scotland uses different Income Tax bands.
  3. 3Read your take-home pay per year, month and week, with the tax and National Insurance shown.

Words to know

Personal Allowance
The amount you can earn each year before paying Income Tax: £12,570 for most people.
National Insurance
A payroll contribution that builds entitlement to the State Pension and some benefits.
Tax year
In the UK it runs from 6 April to 5 April.
Tax code
A code such as 1257L that tells your employer how much tax-free pay you get.

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Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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