UK Take-Home Pay Calculator (2026/27)
Enter your gross annual salary to estimate Income Tax, National Insurance and take-home pay, using the official 2026/27 tax year rates from gov.uk.
| Income Tax | £0 |
| National Insurance (Category A) | £0 |
| Total deductions | £0 |
| Take-home pay (annual) | £0 |
| Take-home pay (monthly) | £0 |
| Take-home pay (weekly) | £0 |
This is an estimate: it doesn't account for pension contributions, student loan repayments, other NI category letters, or Scottish tax bands.
- Does this include pension contributions or student loan?
- No — this calculator estimates Income Tax and National Insurance only, on your full gross salary. Pension contributions (which reduce taxable income) and student loan repayments would change your actual take-home pay.
- Why does my Personal Allowance disappear above £100,000?
- HMRC reduces your tax-free Personal Allowance by £1 for every £2 you earn over £100,000, until it reaches £0 at £125,140 — so income in that band is effectively taxed at 60%.
- Is this valid for Scotland?
- No. Scotland sets its own Income Tax bands and rates, which differ from the rest of the UK. This calculator only covers England, Wales and Northern Ireland.
FAQ
Sources & legal basis
Figures used (tax year 2026/27): Personal Allowance £12,570 (tapered above £100,000, gone at £125,140+), Basic rate 20% up to £50,270, Higher rate 40% up to £125,140, Additional rate 45% above; National Insurance Category A at 8% between £12,570–£50,270 and 2% above. Confirmed directly against gov.uk on the date this page was built — verify against the same pages before relying on this for a real financial decision, as rates are set annually.
- gov.uk — Income Tax rates and Personal Allowances (current-year rates)
- gov.uk — Rates and thresholds for employers 2026 to 2027 (NI thresholds)
- gov.uk — Personal Allowance & basic rate limit confirmed for 6 April 2026 to 5 April 2028
- Income Tax Act 2007, s.10 — statutory basis for basic/higher/additional rate structure
- Income Tax Act 2007, s.35 — statutory basis for the Personal Allowance
- Social Security Contributions and Benefits Act 1992, s.6 — statutory basis for Class 1 NI contributions
- The Personal Allowance/Higher Rate Threshold freeze at £12,570/£50,270 was legislated via s.5 Finance Act 2021 and s.5 Finance Act 2023, and has since been extended by subsequent Budget announcements — see the House of Commons Library briefing on the threshold freeze.