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Calculate your take-home pay after tax, National Insurance, pension, and student loans — using updated 2026/27 HMRC rates.
✔ Used by UK employees, contractors, and freelancers
Self-employed or freelancer? Use the Self-Employed Calculator
£12,570
Personal Allowance
20%
Basic Rate
£50,270
Higher Rate Threshold
8%
Employee NI Rate
Our calculator covers every deduction that appears on a UK payslip — so there are no surprises when payday arrives.
England, Wales, NI & Scottish bands — Basic, Higher, Additional, and all six Scottish rates.
Employee NI at 8% and 2% rates. Employer NI at 15% with the £5,000 threshold.
Salary sacrifice & relief at source, qualifying earnings, employer contributions.
Plans 1, 2, 4, 5 & Postgraduate — correct thresholds and repayment rates.
High Income Child Benefit Charge for earners over £60,000.
Annual, monthly, weekly, daily & hourly — plus effective tax rate and employer cost.
Every salary level hits different tax brackets. Here's how three common situations play out after all deductions:
Basic Rate Taxpayer
James pays 20% tax on everything above £12,570. His salary sacrifice pension saves him £258 in NI compared to relief at source.
Higher Rate Taxpayer
Nick crosses into the 40% band. His Plan 2 student loan repays 9% above £29,385. Increasing his pension to 8% would pull him below the Higher Rate threshold.
60% Tax Trap
Mike loses £5,000 of Personal Allowance due to the 60% tax trap. A £10,000 salary sacrifice pension would restore his full allowance and save ~£6,000 in tax.
Figures are estimates using default 2026/27 HMRC rates with salary sacrifice pensions on qualifying earnings. Run your own numbers for a personalised breakdown.
In-depth, HMRC-sourced guides to help you understand your pay, plan your finances, and keep more of what you earn.
What 1257L, BR, D0, and K codes mean — and how to check your payslip is correct for the 2026/27 tax year.
Read guide →Tax PlanningEarning over £100k? How the Personal Allowance taper creates a hidden 60% rate — and proven strategies to avoid it.
Read guide →PensionsSalary sacrifice, relief at source, the £60k Annual Allowance, and how Higher Rate taxpayers can reclaim unclaimed relief.
Read guide →Regional TaxSide-by-side comparison of Scotland's six Income Tax bands vs England's three, with worked examples at key salary levels.
Read guide →Student LoansPlans 1–5 thresholds, monthly repayment examples, write-off dates, and whether voluntary overpayments make sense.
Read guide →Family BenefitsHow the High Income Child Benefit Charge works from £60k, worked examples, and pension strategies to keep your benefit.
Read guide →New to tax jargon? Browse our Tax Glossary
Have a tax question? Read our FAQ
Every calculation uses the confirmed HMRC rates, thresholds, and rules for the 2026/27 tax year. All calculations run entirely in your browser — we never store or transmit your salary data.
Built using official HMRC documentation and updated annually.