See your real take-home pay after income tax, National Insurance, student loans and pension — updated for the 2026/27 tax year, including Scottish rates.
Percentage of your gross salary. Salary sacrifice reduces tax, NI and student loan; net pay reduces tax only; relief at source is taken from your after-tax pay with 20% added back inside your pension.
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Figures are estimates for a standard tax code and are for information only — not financial advice. Nothing you enter is stored or sent anywhere.
Your payslip deductions come from four places, and the calculator above applies each one in the same order HMRC does:
Want the cost side of the equation too? Our borrowing cost calculator shows what a loan really costs, and the bill-cutting checklist is the fastest way to give yourself a pay rise without asking anyone.
It uses the official HMRC rates and thresholds for 2026/27 and 2025/26, including Scottish income tax bands, all five student loan plans, the Personal Allowance taper over £100,000, Blind Person’s Allowance and Marriage Allowance. It assumes a standard tax code — if yours is different (company benefits, tax owed from earlier years), your real deductions will differ slightly.
Above £100,000 of income you lose £1 of Personal Allowance for every £2 you earn, until it’s gone at £125,140. Combined with 40% tax, this makes the effective rate on that slice about 60% — one reason pension contributions are so popular in that band.
Check your payslip or ask HR. If your gross pay is reduced before tax, it’s salary sacrifice or a net pay arrangement. If your contribution comes out of your after-tax pay and the provider adds 20% on top, that’s relief at source (common with NEST and many auto-enrolment schemes).
No. Everything runs in your browser on this page — nothing is saved, sent or shared, and you won’t be asked for an email address.
Add your expected annual bonus in the bonus field — it’s taxed on top of your salary, which is why a bonus can feel heavily taxed if it pushes you into a higher band. For irregular overtime, add an average to your salary figure.
Skip the sliders — jump straight to a ready-made 2026/27 take-home breakdown:
£18,000 · £19,000 · £20,000 · £21,000 · £22,000 · £23,000 · £24,000 · £25,000 · £26,000 · £27,000 · £28,000 · £29,000 · £30,000 · £31,000 · £32,000 · £33,000 · £34,000 · £35,000 · £36,000 · £37,000 · £38,000 · £40,000 · £42,000 · £45,000 · £48,000 · £50,000 · £55,000 · £60,000 · £65,000 · £70,000 · £75,000 · £80,000 · £85,000 · £90,000 · £95,000 · £100,000
Prefer one big table? See take-home pay for every salary from £18,000 to £100,000.
