Take Home Tax Calculator UK 2026

Our calculator uses official HMRC tax rates, National Insurance thresholds, and student loan repayment rates for the 2026/27 tax year. It calculates your exact take-home pay including Income Tax, National Insurance, student loan deductions, and pension contributions. Results match what you'll receive in your payslip.

All calculations follow PAYE rules and include the latest thresholds: £12,570 personal allowance, £50,270 higher rate threshold, and all five student loan plan rates. We update rates annually when HMRC announces new tax year figures.

Gross salary is your total earnings before any deductions. Take-home pay (net salary) is what you actually receive after Income Tax, National Insurance, pension contributions, and student loan repayments are deducted. In the UK, typical deductions range from 20% to 45% depending on your income level.

For example, a £35,000 gross salary typically results in around £27,000 take-home pay (about 77% of gross) after standard deductions. Higher earners keep proportionally less due to progressive tax rates and reduced personal allowance above £100,000.

Yes, our calculator supports Scottish income tax rates for 2026/27, which differ from the rest of the UK. Scottish taxpayers have six tax bands (Starter, Basic, Intermediate, Higher, Advanced, Top) with rates from 19% to 48%. Simply check the Scottish taxpayer box to use these rates.

Scottish rates generally result in slightly lower tax for low earners (19% starter rate) but higher tax for middle and high earners compared to rest of UK. National Insurance rates remain the same across the UK.

Select your student loan plan type (Plan 1, Plan 2, Plan 4, Plan 5, or Postgraduate Loan). The calculator will automatically deduct repayments based on your income above the threshold. Plan 2 threshold is £27,295, Plan 1 is £24,990, Plan 4 is £31,395, Plan 5 is £25,000, and Postgraduate is £21,000 for 2026/27.

Repayment rates are 9% for undergraduate loans and 6% for postgraduate loans. If you have both types, both deductions apply simultaneously once you exceed both thresholds. For detailed student loan projections, use our student loan calculator.

The personal allowance for 2026/27 is £12,570. This means you can earn up to £12,570 per year tax-free. However, if you earn over £100,000, your personal allowance is reduced by £1 for every £2 earned above this threshold, disappearing completely at £125,140.

This taper creates an effective 60% tax rate on income between £100,000 and £125,140 (40% income tax plus 20% from lost allowance). Many people in this bracket increase pension contributions to retain more personal allowance.

For 2026/27, you pay 12% National Insurance on earnings between £12,570 and £50,270 annually, and 2% on earnings above £50,270. These are Class 1 employee contributions. Employers also pay separate National Insurance contributions on your behalf.

Unlike Income Tax, National Insurance has no personal allowance taper for high earners, making it simpler to calculate. Salary sacrifice pensions reduce your National Insurance liability, while standard pensions don't. This makes salary sacrifice schemes particularly valuable for saving.

Yes, this calculator provides your take-home pay broken down by annual, monthly, weekly, and daily amounts. This helps you understand your income regardless of how often you're paid. All calculations use the same annual thresholds divided proportionally.

Monthly figures are calculated by dividing annual amounts by 12. Weekly figures divide by 52. Daily figures divide by 260 (52 weeks × 5 days). This helps you budget effectively and compare jobs with different payment frequencies.

Yes, pension contributions reduce your take-home pay but also provide tax relief. With salary sacrifice pensions, you save on both Income Tax and National Insurance. Standard workplace pensions are deducted after tax, so you save less. Our calculator handles both scenarios and shows the real cost of your pension after tax relief.

For example, a 5% pension contribution on £35,000 (£1,750) only costs you about £1,190 take-home if you're a basic rate taxpayer (32% saving from 20% tax relief + 12% NI saving with salary sacrifice). Use our pension calculator for detailed analysis.