Take-Home Pay Calculator
Our take-home pay calculator shows your exact net salary after all PAYE deductions for 2026/27 — income tax, National Insurance, pension contributions, and student loan repayments.
Take-Home Pay Calculator
Calculate your exact take-home pay after tax and NI for 2026/27.
Based on 2026/27 UK tax rates. Does not include employer NI.
Enter your gross salary as the full pre-deduction figure. Select your pay period — annual, monthly, weekly, or hourly. The personal allowance defaults to £12,570 for 2026/27 but can be adjusted for non-standard tax codes. Pension contributions entered as a percentage reduce taxable income, reflecting relief at source or net pay arrangements. Student loan repayments are deducted automatically once you select your plan. The result shows each deduction itemised — income tax, NI, pension, student loan — and take-home at every frequency. Compare the result against your actual payslip: small differences usually indicate a non-standard tax code, mid-year adjustment, or benefit in kind on your code.