UK take home pay calculator
Calculate your take home pay after Income Tax, National Insurance contributions, Student Loan repayments, and pension. Based on 2026/27 HMRC rates.
Basic rate (20%): up to £50,270
Higher rate (40%): £50,271 – £125,140
Additional rate (45%): over £125,140
NI Primary Threshold: £12,570
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How is UK take home pay calculated?
Your UK take home pay is calculated by deducting Income Tax (PAYE), National Insurance contributions, and optional Student Loan repayments from your gross salary. All figures use 2026/27 HMRC rates and thresholds.
Income Tax (PAYE)
You pay 20% on income between £12,570 and £50,270, 40% between £50,270 and £125,140, and 45% above that. The first £12,570 is tax-free (Personal Allowance).
National Insurance
You pay 8% NI on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. NI is separate from Income Tax.
Student Loan repayments
Plan 2 repayments are 9% of earnings above £27,295. Plan 1 threshold is £24,990. Plan 4 (Scotland) is £31,395. All at 9% above the threshold.
Pension contributions
Workplace pension contributions reduce your taxable income, effectively giving you tax relief on the amount contributed. Enter your contribution percentage above.