- Income Tax
- £400
- Employee NI
- £20
- Student loans
- £0
- Pension from pay
- £0
Understand · Calculator 11
UK salary calculator: take-home pay for 2026/27
Enter annual, monthly, weekly or hourly gross pay to estimate take-home pay after Income Tax, National Insurance, pension and student-loan deductions. Then see what happens to the next £1,000 or £10,000 you earn.
1 Enter your figures2 Review assumptions3 Explore the result
Your figures
Your entries stay in this tab and are not sent to Money Considered. A shareable link includes only the assumptions shown in its URL.
Estimated monthly take-home
£3,780£45,357 a year or £872 a week after Income Tax, employee NI, selected student loans and no employee pension.Annual take-home£45,35775.6% of gross pay
Monthly take-home£3,780£1,220 monthly deductions and pension cost
Marginal Income Tax rate40.0%42.0% including NI and selected loans
Where each £100 goes
Across your total annual pay
- Income Tax
- £4,000
- Employee NI
- £200
- Student loans
- £0
- Pension from pay
- £0
Your pay breakdown
Annual estimate, with monthly and weekly equivalents shown for comparison.
| Item | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross pay | £60,000 | £5,000 | £1,154 |
| Income Tax | £11,432 | £953 | £220 |
| Employee National Insurance | £3,211 | £268 | £62 |
| Student loans | £0 | £0 | £0 |
| Pension cost from pay | £0 | £0 | £0 |
| Take-home pay | £45,357 | £3,780 | £872 |
Beyond take-home
What your employment package costs and contributes
- Employer pension
- £0
- Total entering pension
- £0
- Employer NI
- £8,250
- Estimated employer cost
- £68,250
Assumptions used
- Uses 2026/27 Income Tax, employee NI, employer NI and student-loan thresholds.
- Assumes a standard Personal Allowance, National Insurance category A and one employment.
- Monthly pay is multiplied by 12, weekly pay by 52, and hourly pay by the entered paid hours and weeks.
- Salary and bonus are annualised; real payroll uses pay-period thresholds and rounding.
- Pension percentages apply to salary rather than qualifying earnings or bonus.
- Relief at source assumes all additional higher-rate relief is claimed where available.
- Benefits in kind, tax-code adjustments, childcare charges, Scottish savings tax and other income are excluded.
This is an annual tax illustration, not a payslip guarantee. Your tax code, pay dates, scheme rules and payroll rounding can change the amount received in any particular month.
From gross pay to take-home pay
How this UK salary calculator works
Choose whether your regular gross pay is annual, monthly, weekly or hourly. Monthly pay is multiplied by 12, weekly pay by 52, and hourly pay by the paid hours and paid weeks you enter. Any bonus is then added as a separate annual amount.
The calculator applies the standard 2026/27 Personal Allowance, the selected regional Income Tax bands, employee National Insurance and any pension or student-loan deductions you add. It shows annual averages rather than recreating an individual payroll run, so a tax code, irregular hours, benefits, bonus timing and payroll rounding can change a particular payslip.
The same UK salary after tax calculator handles every pay basis. Switching between equivalent annual, monthly, weekly and hourly views keeps the exact underlying annual gross salary used for the tax calculation.
Reference points
Example UK take-home pay by salary in 2026/27
These examples use England, Wales or Northern Ireland rates, the standard Personal Allowance, National Insurance category A, no pension contribution and no student loan.
| Gross salary | Annual take-home | Monthly take-home | Weekly take-home |
|---|---|---|---|
| £25,000 | £21,520 | £1,793 | £414 |
| £30,000 | £25,120 | £2,093 | £483 |
| £40,000 | £32,320 | £2,693 | £622 |
| £50,000 | £39,520 | £3,293 | £760 |
| £60,000 | £45,357 | £3,780 | £872 |
| £75,000 | £54,057 | £4,505 | £1,040 |
| £100,000 | £68,557 | £5,713 | £1,318 |
Monthly salary after tax
A gross salary of £4,000 a month equals £48,000 a year. On the assumptions above, estimated take-home pay is £3,173 a month.
Hourly salary after tax
At £20 an hour for 37.5 paid hours a week over 52 weeks, gross annual pay is £39,000. Estimated take-home pay is £16.20 per paid hour, or £2,633 a month.
Select Scotland or add pension and student-loan details in the calculator for a more relevant estimate.
Common questions
UK salary and take-home pay FAQs
How is UK take-home pay calculated?
The calculator starts with annual salary and bonus, applies the selected pension treatment, then estimates 2026/27 Income Tax, employee National Insurance and any selected student-loan deductions. The remainder is shown annually, monthly and weekly.
Does the calculator use Scottish Income Tax rates?
Yes. Select Scotland to use the six Scottish non-savings, non-dividend Income Tax bands for 2026/27. National Insurance and student-loan rules remain UK-wide in this illustration.
Why can the marginal tax rate be higher than 40% or 45%?
Income between £100,000 and £125,140 can lose £1 of Personal Allowance for each additional £2 of adjusted income. That creates an effective Income Tax rate above the headline band before National Insurance or student loans are added.
How does salary sacrifice affect take-home pay?
A pension salary sacrifice reduces the cash salary used for Income Tax and National Insurance in 2026/27. It may also reduce student-loan deductions and employer National Insurance, but scheme rules and the planned National Insurance change from April 2029 are outside the current-year result.
Does the estimate match a monthly payslip exactly?
Not necessarily. The calculator annualises salary and bonus. PAYE, National Insurance and student loans use pay-period thresholds and rounding, while tax codes, benefits, arrears and bonus timing can create different monthly deductions.
Are employer pension contributions included in take-home pay?
No. Employer pension contributions are shown separately because they add to the employment package and pension without entering the employee’s bank account. The model applies the entered employer percentage to salary, not the bonus.
Which student-loan plans are supported?
The calculator supports Plans 1, 2, 4 and 5 plus an optional Postgraduate Loan using the 2026/27 annual thresholds. Multiple undergraduate plans and pay-period caps are not modelled.
Can I calculate take-home pay from monthly, weekly or hourly pay?
Yes. Choose how your gross pay is quoted and the calculator converts it to an annual salary before applying the 2026/27 rules. Hourly pay uses the paid hours and paid weeks you enter. Monthly and weekly take-home figures are annual averages rather than a reproduction of a specific payslip.