Free tools
Take-home pay calculator
Enter your salary or hourly rate to see what actually lands in your account after Income Tax and National Insurance. Updated for the 2026/27 tax year.
Your take-home pay
–
a year
| Gross pay | – |
|---|---|
| Income Tax | – |
| National Insurance | – |
| Take-home pay | – |
How the calculator works
Your take-home pay is your gross pay minus the two big deductions almost everyone pays: Income Tax and employee National Insurance. This tool applies the 2026/27 rates for England and Northern Ireland so you get a realistic figure in seconds, whether you are comparing job offers, checking a payslip or budgeting for a move.
2026/27 Income Tax bands (England and Northern Ireland)
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
If you earn over £100,000 your personal allowance tapers away by £1 for every £2 you earn above that, which is why very high earners lose their tax-free band entirely at £125,140.
2026/27 employee National Insurance
| Earnings | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,570 to £50,270 | 8% |
| Over £50,270 | 2% |
Frequently asked questions
How is my take-home pay worked out?
We start with your gross pay, then take off Income Tax and employee National Insurance using the 2026/27 rates for England and Northern Ireland. What is left is your take-home, or net, pay. The calculator shows it per year, per month and per week.
What is the personal allowance for 2026/27?
For 2026/27 the tax-free personal allowance is £12,570. You do not pay Income Tax on the first £12,570 you earn. If you earn more than £100,000 the allowance is reduced by £1 for every £2 over that, and it disappears completely at £125,140.
How much National Insurance will I pay?
For 2026/27 employees pay 8% National Insurance on earnings between £12,570 and £50,270 a year, and 2% on anything above £50,270. You pay nothing below £12,570.
Does this include pension or student loan deductions?
No. This is a quick estimate that covers Income Tax and National Insurance only. It does not include pension contributions, student loan repayments, salary sacrifice, benefits in kind or the marriage allowance, all of which change your final pay.
Is this accurate for Scotland?
Not quite. Scotland sets its own Income Tax bands and rates, which differ from the rest of the UK. National Insurance is the same across the UK, but if you are a Scottish taxpayer your Income Tax will not match this estimate.
How do I work out take-home pay from an hourly rate?
Switch the calculator to hourly, then enter your hourly rate and the hours you work each week. We multiply that out across 52 weeks to get your annual pay and then apply tax and National Insurance.
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