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Estimate annual UK take-home pay from your salary, tax code, pension method, student-loan plan and selected family/benefit inputs.
A detailed PAYE estimate that models UK tax bands, Personal Allowance tapering and National Insurance thresholds from the selected inputs.
Enter your gross annual salary, tax code, student loan plan, and pension contribution method. The tool calculates your Income Tax, National Insurance, net pay, and effective tax rate with full transparency on how each deduction is computed.
The prefilled example is £50,000 annual gross pay, tax code 1257L, 5% net-pay pension, and no student loan, Marriage Allowance, Blind Person’s Allowance, HICBC or taxable benefits. Change the tax code and options to reflect your circumstances. This is an annualised estimate using 2026/27 tax rules and standard employee NI category A assumptions; it is not a payroll-period payslip calculation. Tax code K, 0T, BR, D0/D1 and non-cumulative codes have simplified treatments, and the page does not model every payroll rule or NI category.
The marginal-rate chart applies your selected inputs across income points; the pay-rise view holds all other settings constant. The scenario is encoded in this page’s URL so Calculator Actions can share it; do not share the URL if its salary or tax details are private.
Tax Year 2026/27 — Personal Allowance frozen at £12,570 (since 2021). Basic rate band frozen at £50,270. Total deductions / gross: 25.0% · Illustrative next-year 3% rise: 25.0%
Estimated annual gross pay allocated to take-home pay and deductions
| Measure | Value |
|---|---|
| Net Pay | £37,520 |
| Income Tax | £6,986 |
| NI | £2,994 |
| Pension cash cost | £2,500 |
Net Pay
£37,520
Yearly · £3,127/mo
Total deductions / gross
25.0%
Marginal Rate
37%
Gross pay less deductions plus any Marriage Allowance credit should reconcile to estimated net pay
| Measure | Value |
|---|---|
| Gross Salary | £50,000 |
| Pension cash cost | −£2,500 |
| Basic Rate Tax | −£6,986 |
| NI | −£2,994 |
| Net Pay | £37,520 |
Modelled extra deductions on the next £1 at £5,000 income steps, holding your other selections constant
| Measure | Value |
|---|---|
| At £10,000 gross income | 29.0% |
| At £15,000 gross income | 37.0% |
| At £20,000 gross income | 37.0% |
| At £25,000 gross income | 37.0% |
| At £30,000 gross income | 37.0% |
| At £35,000 gross income | 37.0% |
| At £40,000 gross income | 37.0% |
| At £45,000 gross income | 37.0% |
| At £50,000 gross income | 37.0% |
| At £55,000 gross income | 51.0% |
| At £60,000 gross income | 51.0% |
| At £65,000 gross income | 51.0% |
| At £70,000 gross income | 51.0% |
| At £75,000 gross income | 51.0% |
| At £80,000 gross income | 51.0% |
| At £85,000 gross income | 51.0% |
| At £90,000 gross income | 51.0% |
| At £95,000 gross income | 51.0% |
| At £100,000 gross income | 51.0% |
| At £105,000 gross income | 51.0% |
| At £110,000 gross income | 71.0% |
| At £115,000 gross income | 71.0% |
| At £120,000 gross income | 71.0% |
| At £125,000 gross income | 71.0% |
| At £130,000 gross income | 71.0% |
| At £135,000 gross income | 56.0% |
| At £140,000 gross income | 56.0% |
| At £145,000 gross income | 56.0% |
| At £150,000 gross income | 56.0% |
Illustrative annual gross and net amounts with the selected tax code and other inputs held constant
| Measure | Value |
|---|---|
| Current income — gross | £50,000 |
| Current income — estimated net | £37,520 |
| +£5,000 gross — gross | £55,000 |
| +£5,000 gross — estimated net | £40,807 |
| +£10,000 gross — gross | £60,000 |
| +£10,000 gross — estimated net | £43,557 |
Full Salary Breakdown
| Component | Monthly | Annual | % of Gross | Next-year monthly* |
|---|---|---|---|---|
| Gross Salary | £4,167 | £50,000 | 100.0% | £4,292 |
| Pension cash cost | £208 | £2,500 | 5.0% | £215 |
| Income Tax | £582 | £6,986 | 14.0% | £606 |
| National Insurance | £250 | £2,994 | 6.0% | £253 |
| Net Pay | £3,127 | £37,520 | 75.0% | £3,218 |
*Illustrative next-year scenario: 3% pay rise with the current page's rates and thresholds reused; this is not a forecast of future policy.
Useful next steps
🔍 Check State Pension
Your NI contributions: ££2,994/yr. See what State Pension you're on track for.
💰 HMRC Tax Calculator
Check your exact tax code and see if HMRC owes you a refund.
We may earn commission from some links · Independent advice
These official UK sources explain the 2026/27 rates, allowances, National Insurance and tax-code rules used to frame this calculator.