UK Salary & Take-Home Pay Calculator
Enter your annual salary to see exactly where your money goes: Income Tax, National Insurance, pension contributions, student loan repayments and the take-home pay that actually lands in your bank account.
Results update instantly as you type and are based on the official HMRC rates and allowances for the tax year you select.
How the calculation works
We believe numbers should be transparent. Here is the formula behind this calculator.
Worked example
Worked example: a £40,000 salary in 2026/27
Examples at common levels
See how the numbers change at typical input levels, using the updated for tax year 2026/27 rates.
| Scenario | Estimated take-home pay (annual) | Monthly take-home pay | Weekly take-home pay | Daily equivalent | Gross salary | Income Tax | National Insurance | Pension contribution | Student loan repayment | Other income |
|---|---|---|---|---|---|---|---|---|---|---|
| £25,000 salary Basic rate only | £20,269.60 | £1,689.13 | £389.80 | £77.96 | £25,000.00 | £2,486.00 | £994.40 | £1,250.00 | £0.00 | £0.00 |
| £30,000 salary Basic rate only | £23,619.60 | £1,968.30 | £454.22 | £90.84 | £30,000.00 | £3,486.00 | £1,394.40 | £1,500.00 | £0.00 | £0.00 |
| £40,000 salary Basic rate only | £30,319.60 | £2,526.63 | £583.07 | £116.61 | £40,000.00 | £5,486.00 | £2,194.40 | £2,000.00 | £0.00 | £0.00 |
| £60,000 salary Top slice at 40%; NI drops to 2% above £50,270 | £42,357.40 | £3,529.78 | £814.57 | £162.91 | £60,000.00 | £11,432.00 | £3,210.60 | £3,000.00 | £0.00 | £0.00 |
| £100,000 salary Personal Allowance taper begins above £100,000 | £63,557.40 | £5,296.45 | £1,222.26 | £244.45 | £100,000.00 | £27,432.00 | £4,010.60 | £5,000.00 | £0.00 | £0.00 |
Important assumptions
- Uses England, Wales and Northern Ireland income tax rates. Scottish rates differ.
- The Personal Allowance taper is applied for income over £100,000.
- Pension contributions use relief at source unless "salary sacrifice" is selected.
- Student loan repayments are 9% of income over your plan threshold (6% for postgraduate).
- Results are estimates — always verify important figures with HMRC or a qualified accountant.
Rates & official sources
Every calculation is based on the official rates and rules published by GOV.UK and HMRC.
Frequently asked questions
Is this calculator accurate?
It uses the official HMRC rates and allowances for the selected tax year, but real PAYE depends on your exact tax code, benefits in kind, bonus timing and pension arrangement. Treat the result as a very good estimate, not a payslip.
Which student loan plan am I on?
Plan 1 covers courses started before September 2012, Plan 2 between 2012 and 2023, Plan 4 applies to Scottish borrowers and Plan 5 to courses after August 2023. Postgraduate loans are repaid separately at 6%.
Why is my take-home different to my current payslip?
Payslips may reflect a different tax code, employer pension scheme, benefits in kind or previous earnings in the year. Check your tax code first — it is the most common reason for a difference.
Does this include Scottish income tax?
No. Scottish taxpayers have their own income tax rates and bands. If you live in Scotland, use the official Scottish calculator or check GOV.UK.
Can I reduce my tax by paying more into my pension?
Yes. Pension contributions reduce your taxable income, which can lower your Income Tax bill and, with salary sacrifice, your National Insurance too. Try raising the pension percentage in the calculator to see the effect on take-home pay.
Related calculators
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Work out your Class 1 employee National Insurance contributions and what you keep after NI.
View calculatorStudent Loan Calculator
See how much of your income goes to student loan repayments, based on your plan and earnings.
View calculatorRelated guides
New to the topic? Read a plain-English guide on salary & tax, with worked examples and tips.
How UK Income Tax works
The tax-free allowance, rate bands and how PAYE takes tax from your pay.
Read the guide TaxPAYE explained
How pay as you earn collects Income Tax and NI from your salary.
Read the guide TaxUnderstanding tax bands
Basic, higher and additional rate explained with worked examples.
Read the guide TaxHow to read a payslip
Every line on your pay slip decoded — payments, deductions, year-to-date, and why a bonus month looks different.
Read the guide TaxUK tax rates and allowances 2026/27
Every UK tax rate and allowance for the 2026/27 tax year in one place — income tax, National Insurance, VAT, dividends, corporation tax, student loans and more.
Read the guide TaxHigh Income Child Benefit Charge explained
How the High Income Child Benefit Charge works — the £60,000 threshold, the 1% clawback and what you repay.
Read the guide TaxPension tax relief explained
How pension tax relief works — 20% added at source, extra relief for higher and additional-rate taxpayers, and the annual allowance.
Read the guideThese calculations are estimates for guidance only and are not professional financial, tax or legal advice. UK rates and rules change, so always verify important figures with official GOV.UK / HMRC information or speak to a qualified professional. See our full disclaimer.