Mortgages & Money2 min check

Take-Home Pay Calculator (2026/27)

Indicative estimate of your monthly and annual take-home pay after Income Tax, National Insurance and (optionally) Plan 2 student loan repayments.

Short answer

Take-home pay = gross salary − Income Tax − National Insurance − pension − student loan. For 2026/27: £12,570 personal allowance, then 20% to £50,270, 40% to £125,140, 45% above. NI Class 1: 8% from £12,570 to £50,270, 2% above. Personal allowance tapers from £100k.

Step 1 of 20%

Calculation method, coverage and version

Inputs used: Annual gross salary, Pension contribution (% of salary), Student loan plan.
Calculation approach: The calculator applies the rules and assumptions described in “How it works” to the values you enter. Rounding can cause small differences from an official or provider calculation.
Coverage: Mortgages & Money. UK nations, tax treatment, local rules and provider criteria can differ; check the official sources shown below before acting.
Content version: No page-specific review date is currently published. Treat the result as indicative and verify current rules independently.

Not included unless explicitly requested: personal circumstances not entered, provider discretion, future rule changes, professional fees and case-specific exceptions. Read the full calculator methodology.

Primary sources and official verification

Use these official sources to verify current rules before acting. Coverage and dates can differ across England, Scotland, Wales and Northern Ireland.

See the sitewide source policy.

How it works

We apply the 2026/27 UK thresholds in order: deduct pension first (pre-tax), then taper the personal allowance if income exceeds £100k, calculate income tax on the remainder, calculate NI, then deduct any student loan repayment plan.

Worked example

£45,000 salary, no pension, no student loan: Tax = (45,000−12,570) × 20% = £6,486. NI = (45,000−12,570) × 8% = £2,594. Take home = £35,920/year ≈ £2,993/month.

Who should use this

•Employees checking a payslip
•Job-changers comparing offers
•People weighing pension contribution increases
•Anyone hit by the 60% effective tax trap (£100k–£125k)

Common mistakes

×Forgetting to add employer pension contribution to the comparison
×Not realising the 60% marginal rate between £100k–£125k
×Comparing gross salaries when one role offers better benefits
×Using English bands for a Scottish-resident worker

Frequently asked questions

What's my take-home on £30k?▾

Around £25,225/year (£2,102/month) with standard tax code, no pension or student loan.

How much tax on £100k?▾

About £27,432 income tax + £5,194 NI = £67,374 take home, before personal allowance taper kicks in above £100k.

Do I pay NI on pension contributions?▾

Salary sacrifice pension contributions reduce gross pay before NI — saving both tax and NI. Net pay schemes save tax only.

Related calculators

Income Tax Calculator →National Insurance →Student Loan →Salary Sacrifice →