Gross salary
This is your pay before Income Tax, National Insurance and other deductions.
Estimated take-home pay—
Enter your details to calculate.
Uses 2026/27 standard Personal Allowance and employee Class 1 National Insurance rates. Estimate only; it does not include pension contributions, student loans, benefits, tax-code adjustments or other deductions.
UK take-home pay calculator guide
Estimate take-home pay after Income Tax and employee National Insurance using the assumptions built into this calculator for the stated tax year.
Take-home pay
This is the estimated amount left after the tax and NI calculations used by the tool.
Other deductions
Pension contributions, student loans, benefits and salary sacrifice can change your actual payslip.
Rates & assumptions
This calculator uses the standard Personal Allowance and employee Class 1 National Insurance assumptions shown below. The Personal Allowance reduces by £1 for every £2 of adjusted net income above £100,000 and is zero at £125,140.
| England, Wales & NI Income Tax | Taxable income | Rate |
|---|---|---|
| Basic | £1–£37,700 | 20% |
| Higher | £37,701–£125,140 | 40% |
| Additional | Over £125,140 | 45% |
| Scotland Income Tax | Taxable income | Rate |
|---|---|---|
| Starter | £1–£3,967 | 19% |
| Basic | £3,968–£16,956 | 20% |
| Intermediate | £16,957–£31,092 | 21% |
| Higher | £31,093–£62,430 | 42% |
| Advanced | £62,431–£125,140 | 45% |
| Top | Over £125,140 | 48% |
| Employee NI (standard category A) | Annual earnings | Rate |
|---|---|---|
| Below Primary Threshold | Up to £12,570 | 0% |
| Main rate | £12,570–£50,270 | 8% |
| Upper rate | Above £50,270 | 2% |
Worked example: On a £40,000 salary in England, Wales or Northern Ireland with the standard allowance, estimated Income Tax is £5,486 and employee NI is about £2,194.40, leaving about £32,319.60 a year before pension, student loan or other deductions.
Official sources: Income Tax rates · Scottish Income Tax · National Insurance
Why these take-home figures are checkable
The result is built from the tax bands and employee National Insurance assumptions shown on this page rather than from a hidden flat-rate estimate. Use the visible rates and official source links below to sanity-check the calculation, especially if your tax code, benefits, pension method or other deductions differ from the standard assumptions.
Frequently asked questions
Is this calculator for the UK?
Yes. It is designed around UK Income Tax and employee National Insurance assumptions for the tax year shown.
Does it include pension deductions?
Not unless the calculator explicitly includes them in the inputs.
Will my payslip match exactly?
Not always. Tax codes, benefits, bonuses and other payroll deductions can change the final amount.
Built for quick, transparent estimates. See how our calculators work and check page-specific assumptions before relying on a result.