UK take-home pay calculator Income tax, National Insurance and student loan for one job, 2026 to 2027.

Your payslip may differ from this estimate because the calculator does not cover:

• Any tax code other than 1257L, S1257L or C1257L: K codes, emergency codes (W1, M1 or X), 0T, BR, D0, D1, NT and Scottish SD codes.
• Benefits from your job, such as a company car or private medical insurance (benefits in kind).
• The High Income Child Benefit Charge.
• A second job or pension, or more than one employer.
• Other income: self-employment, rental or property income, savings interest or dividends.
• National Insurance letters other than A (for example, if you are over State Pension age), and directors' National Insurance.
• Blind Person's Allowance, Marriage Allowance and other changes to your tax code.
• Bonuses, overtime or pay that changes from one period to the next.
• Pay every two weeks or every four weeks.
• Extra pension tax relief claimed through Self Assessment, and more than one pension method at once.
• Employer National Insurance or other employer costs.
• Any tax year other than 2026 to 2027.

If any of these applies to you, use HMRC's Estimate your Income Tax service or your Personal Tax Account, or ask your employer's payroll team.

Personal Allowance: £12,570 a year. It goes down by £1 for every £2 of adjusted net income over £100,000, so it is £0 at £125,140. Source: HMRC employer rates 2026 to 2027, HMRC Income Tax rates, GOV.UK Income Tax rates

Source: HMRC employer rates 2026 to 2027, HMRC Income Tax rates, GOV.UK Welsh Income Tax. Welsh rates are the same as England and Northern Ireland for 2026 to 2027.

Source: HMRC employer rates 2026 to 2027, GOV.UK Scottish Income Tax.

Rate: 8% of pay between the Primary Threshold and the Upper Earnings Limit, and 2% above it, worked out on each pay period. Source: HMRC employer rates 2026 to 2027, HMRC NI rates, GOV.UK NI rates

Each pay period, the rate is applied to pay over the threshold and the result is rounded down to whole pounds. Source: HMRC SL3 tables, HMRC employer rates 2026 to 2027

Relief at source: the pension provider adds 20% basic-rate relief. Source: GOV.UK pension tax relief

Tax code. The calculator uses the standard code 1257L, written S1257L if your main home is in Scotland and C1257L in Wales. Source: GOV.UK tax codes, HMRC employer rates 2026 to 2027 Scottish rates depend on where your main home is, not where you work. Source: GOV.UK Scottish Income Tax

Income tax. Your Personal Allowance of £12,570 is taken off first, and the bands above apply to what is left. Source: HMRC employer rates 2026 to 2027, HMRC Income Tax rates If your adjusted net income is over £100,000, the allowance goes down by £1 for every £2 over, so it is £0 at £125,140. Source: HMRC Income Tax rates, GOV.UK Income Tax rates Advice Payroll applies that reduction only through a tax code HMRC issues, so your payslips may not show it straight away.

National Insurance. Employee National Insurance is worked out on each pay period, weekly or monthly, not on the year. Source: HMRC employer rates 2026 to 2027, HMRC NI rates That is why 12 monthly thresholds of £1,048 add up to £12,576, not £12,570, and the calculator shows a slightly different total for monthly, weekly and annual figures. Source: HMRC employer rates 2026 to 2027

Student loans. Each pay period, 9% of pay over your plan's threshold is deducted (6% for a Postgraduate Loan), rounded down to whole pounds. Source: HMRC SL3 tables If you repay more than one plan, one deduction is made over the lowest of your thresholds, and a Postgraduate Loan is deducted on top. Source: HMRC SL3 tables, GOV.UK student loans The deduction is worked out on the same pay as National Insurance, so a net pay pension doesn't reduce it but salary sacrifice does. Source: HMRC SL3 tables

Payroll tables. Payroll uses HMRC tables that give code 1257L £12,579.12 of tax-free pay over a full year, slightly more than £12,570, so a full year of payslips can show a little less tax than this estimate. Source: HMRC Tables A

Net pay arrangement. Your contribution is taken from your pay before income tax, but not before National Insurance. Source: GOV.UK workplace pensions, GOV.UK pension tax relief If you don't earn enough to pay income tax, a net pay arrangement gives you no tax relief. Source: GOV.UK pension tax relief

Relief at source. Your contribution is taken after tax and your pension provider adds 20% basic-rate relief, including for Scottish starter-rate taxpayers. Source: GOV.UK pension tax relief Extra relief at a higher rate is claimed through Self Assessment, not through your pay, so it isn't in the estimate. Source: GOV.UK pension tax relief

Salary sacrifice. Your pay is reduced before income tax and National Insurance are worked out; it is part of your contract, and it can't take your pay below the National Minimum Wage. Source: HMRC salary sacrifice Advice Your payslip or your employer can tell you which method your scheme uses.

Worked out with the calculator above from the 2026 to 2027 rates. Source: HMRC employer rates 2026 to 2027, GOV.UK Scottish Income Tax, GOV.UK Welsh Income Tax.

With relief at source your provider adds the 20% relief, so £2,000 still goes in while £1,600 comes from your pay. Source: GOV.UK pension tax relief, GOV.UK workplace pensions, HMRC salary sacrifice.

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