What this UK salary after tax calculator includes
This free UK salary after tax calculator gives an annualised estimate for employee salary income in the 2026/27 tax year. It is designed for salary planning, job offer comparison, monthly budgeting and understanding how PAYE Income Tax, National Insurance and other common deductions affect take-home pay.
It includes the standard Personal Allowance, Income Tax, employee National Insurance, salary sacrifice pension, Student Loan Plans 1, 2, 4 and 5, plus an optional Postgraduate Loan deduction. You can also choose England, Wales, Northern Ireland or Scotland for region-aware income tax bands.
The result is best used as a planning guide before you compare job offers, review a salary change or test the effect of pension sacrifice. For payslip-level accuracy, check your current tax code, payroll benefits, bonus treatment and any employer-specific deductions.
How to use this take-home pay calculator
Enter your salary as an annual, monthly, weekly or hourly amount, choose the UK tax region, then add pension and loan deductions if they apply. The result shows estimated annual, monthly and weekly take-home pay.
- Use it to compare UK job offers, pay rises and monthly budget scenarios.
- Use the region selector for England, Wales, Northern Ireland or Scotland salary tax estimates.
- Do not treat the result as a formal payslip, payroll calculation or HMRC decision.
What it does not include
- Custom tax codes, company benefits or benefits in kind
- Marriage Allowance, Blind Person’s Allowance or other special reliefs
- Payroll-specific HMRC rounding and irregular pay treatment
- Dividend income, self-employed tax, child benefit charge or savings/dividend tax
2026/27 rates used for England, Wales and Northern Ireland
| Band | Total annual income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
2026/27 rates used for Scotland
| Band | Total annual income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
National Insurance, PAYE and loan assumptions
Employee National Insurance is estimated using Class 1 employee thresholds and rates for the tax year. Student Loan and Postgraduate Loan calculations are planning estimates based on the selected plan and annual income after salary sacrifice pension. This tool is useful as a UK salary after tax calculator, PAYE calculator and take-home pay estimator, but it is not a substitute for payroll or tax advice.
Does this UK salary after tax calculator work for Scotland?
Yes. Switch the region to Scotland and the page uses Scottish 2026/27 non-savings income tax bands. England, Wales and Northern Ireland use the rest-of-UK salary bands.
Is this the same as an official payslip?
No. It is an estimate. Employer payroll can differ because of tax code changes, pay frequency rounding, taxable benefits, pension setup, irregular bonuses and other payroll details.
Can I use this as a UK income tax calculator?
Yes. It estimates UK Income Tax / PAYE and National Insurance for employee salary income. It also shows pension and loan deductions so the result is closer to a take-home pay estimate.
How is salary sacrifice pension handled here?
This version treats pension as salary sacrifice. The pension amount is removed before Income Tax, National Insurance and loan deductions are estimated.
Is my salary data safe when using this calculator?
Yes. The calculation runs in your browser. Your salary amount is not uploaded to a server or stored in a database.
What happens if my salary is over £100,000?
For standard UK personal allowance rules, the personal allowance is reduced by £1 for every £2 of adjusted income above £100,000. The calculator applies this tapering rule when estimating take-home pay.