UK Salary Calculator 2026/27

Enter your salary to see exactly what you take home after Income Tax, National Insurance, pension and student loan — for anywhere in the UK.

Your salary details

Pension

Covers all four UK nations. England, Wales and Northern Ireland share the same Income Tax bands; Scotland has its own (starter, basic, intermediate, higher, advanced and top rates). National Insurance and the Personal Allowance are the same UK-wide. NI is calculated on an annual basis here, so monthly figures can differ from a real payslip by a few pounds.

How your pay is worked out (2026/27)

You pay no Income Tax on the first £12,570 you earn — your Personal Allowance — which is the same across the UK, and is gradually removed once you earn over £100,000. In England, Wales and Northern Ireland the basic rate of 20% then applies up to £50,270, the higher rate of 40% up to £125,140, and the additional rate of 45% above that. Scotland instead has six bands, from a 19% starter rate up to a 48% top rate, with the higher rate of 42% starting at £43,663.

National Insurance for employees is 8% on earnings between £12,570 and £50,270, then 2% above, everywhere in the UK. Student loan repayments are 9% of everything you earn above your plan's threshold (6% for Postgraduate loans). Your own pension contribution can be entered as a percentage or a fixed pound amount; salary sacrifice reduces the pay that tax and NI are charged on, while relief at source is taken from your pay after tax. Employer contributions are paid on top of your salary and don't reduce your take-home.

This calculator is for guidance only and does not constitute financial advice. It assumes a standard tax code (1257L), no taxable benefits, and that you're an employee under State Pension age. Always check your own payslip and HMRC for your exact figures.