UK Salary & Take-Home Pay Calculator
Instantly estimate your net pay for the 2026/27 tax year, including Income Tax, National Insurance, student loan repayments and pension contributions.
Your details
Defaults to 1257L (the standard code for most employees). Also supports BR, D0, D1, 0T and NT.
Take-home pay
Net monthly pay
£3,293.30
Net annual pay
£39,519.60
Net weekly pay
£759.99
Based on 2026/27 UK tax year rates (England, Northern Ireland and Wales). Figures are an estimate for guidance only and do not account for every individual circumstance (e.g. benefits in kind, Scottish income tax bands, or non-standard tax codes). Always confirm your actual deductions with HMRC or a qualified adviser.
How this calculator works
This tool applies the 2026/27 Income Tax bands (20% basic rate, 40% higher rate, 45% additional rate), the Personal Allowance taper for incomes over £100,000, and Class 1 National Insurance thresholds, calculated on the same monthly-equivalent basis HMRC uses in payroll. If you select a pension contribution, it is treated as a salary sacrifice arrangement, reducing both your taxable income and your National Insurance liability.
Student loan repayments are calculated against the correct 2026/27 thresholds for each repayment plan. Figures are rounded to the nearest penny and are intended as a guide — your actual payslip may differ slightly depending on your specific tax code, benefits in kind, or whether you are taxed under the Scottish income tax system.
Planning what to do with your take-home pay? See how opening a Stocks and Shares ISA could fit into your wider savings plan.