UK Take-Home Pay Calculator
Enter a salary or hourly rate to see pay after income tax, National Insurance, student loan repayments and pension contributions for the 2026/27 tax year.
Ce contenu est en anglais.
These figures are estimates only and are not advice. Results assume you are under State Pension age and that your pay is the same every month. Your payslip may differ slightly.
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Exemples détaillés
Salary of £33,000, no loan
Salary £33,000 a year, no student loan, no pension contribution
Income tax £4,086.00 and National Insurance £1,634.40, so take-home pay is £27,279.60 a year, or £2,273.30 a month.
Income tax is 20 per cent on the £20,430 above the £12,570 personal allowance, and National Insurance is 8 per cent of the earnings between £12,570 and £50,270.
£60,000 salary with Plan 2
Salary £60,000 a year, Plan 2 student loan, no pension contribution
Income tax £11,432.00, National Insurance £3,210.60 and Plan 2 repayments £2,755.35, so take-home pay is £42,602.05 a year, or £3,550.17 a month.
Repayments are 9 per cent of the income above the Plan 2 threshold of £29,385, which is why the loan takes a noticeable share at this salary.
À propos de UK Take-Home Pay Calculator
This UK take-home pay calculator shows what is left of your salary or hourly pay after income tax, employee National Insurance, student loan repayments and pension contributions. It uses the published rates for the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027, and the rates table it uses is shown under the result so you can check every figure yourself. It is a quick way to turn a headline salary into a figure you can budget with, and to see how a student loan or pension choice changes it.
You can enter pay as a yearly salary, a monthly or weekly amount, or an hourly rate with your hours and weeks. Choose England, Wales or Northern Ireland, or Scotland, which has its own income tax bands. Add a student loan plan, a postgraduate loan, a pension percentage taken by salary sacrifice or net pay, and an optional tax code. The result gives take-home pay per year, month and week, with a simple bar showing where each pound goes. Everything updates as you type.
Comment utiliser UK Take-Home Pay Calculator
- Choose salary or hourly rate, then enter the amount and how often the pay arrives.
- Pick England, Wales or Northern Ireland, or Scotland, and enter your tax code if you want to override the standard allowance.
- Select your student loan plan and add a pension percentage with salary sacrifice or net pay.
- Read the take-home figures, the breakdown table and the bar, and compare them with your payslip.
Usages courants
- Checking what a job offer will pay after deductions
- Comparing salary sacrifice with a net pay pension
- Seeing how a student loan plan changes monthly pay
- Budgeting from an hourly rate and a set number of weeks
Sources
Dernière vérification le 15 octobre 2026.
Questions fréquentes
Which tax year does this calculator use?
It uses the 2026/27 UK tax year, from 6 April 2026 to 5 April 2027. The page lists the personal allowance, income tax bands, National Insurance rates and student loan thresholds it applies, so you can compare them with the published GOV.UK figures.
How is the personal allowance reduced for higher earners?
The standard personal allowance of £12,570 is reduced by £1 for every £2 of income over £100,000, and it is nil once income reaches £125,140. The calculator applies this automatically unless you enter your own tax code, which replaces the standard allowance.
What is the difference between salary sacrifice and a net pay pension?
With salary sacrifice the pension amount is taken off your pay before income tax, National Insurance and student loan are worked out. With a net pay arrangement it is taken off before income tax only, so National Insurance and student loan still use your full pay.
How are Scottish income tax bands handled?
Choose Scotland and the calculator uses the Scottish bands, which run from a 19% starter rate up to a 48% top rate. National Insurance and student loan rules are the same across the UK, so only the income tax part changes.
Why might my payslip be different from this estimate?
The calculator treats your pay as an even yearly figure. Payroll works in pay periods with rounded thresholds, and your payslip may include benefits, other income, tax code adjustments or refunds. This is an estimate only and is not advice, so use your payslip as the final word.