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Calculate UK take-home pay after Income Tax, National Insurance, pension and student-loan deductions.
Editable sample · 2026/27 estimate · Calculated in your browser
Enter £0–£100,000,000 in whole pounds.
Values from 0 to 100%.
Net annual pay
£35,441
Annual amounts in £: gross pay, net pay and the difference between them
| Measure | Annual amount |
|---|---|
| Gross pay | £50,000 |
| Take-home pay | £35,441 |
| Total deductions (gross minus net) | £14,559 |
Current salary versus +£5,000 and +£10,000
| Scenario | Gross annual pay | Take-home annual pay |
|---|---|---|
| Current | £50,000 | £35,441 |
| +£5,000 gross | £55,000 | £38,278 |
| +£10,000 gross | £60,000 | £40,578 |
Percentage of each illustrative gross increase retained as additional net pay under your selected settings
| Pay-rise scenario | Gross increase | Net increase | Retained |
|---|---|---|---|
| £5,000 gross increase | £5,000 | £2,838 | 56.8% |
| £10,000 gross increase | £10,000 | £5,138 | 51.4% |
Your annual breakdown
| Annual item | Annual amount | Monthly |
|---|---|---|
| Gross pay | £50,000 | £4,167 |
| Income Tax | £6,986 | £582 |
| National Insurance | £2,994 | £250 |
| Student loan | £2,079 | £173 |
| Pension | £2,500 | £208 |
| Net pay | £35,441 | £2,953 |
| Employer National Insurance (not deducted from your pay) | £6,750 | £563 |
| Employer pension contribution (not deducted from your pay) | £1,500 | £125 |
How your UK take-home pay is built
Income Tax
Your estimate applies Rest of UK Income Tax bands after the modelled Personal Allowance of £12,570.
National Insurance
Employee NI is calculated separately from Income Tax using the selected NI category and current earnings thresholds. Freeport and Investment Zone categories apply only to eligible employees working at a qualifying site.
Pension and student loan
Pension treatment and your plan1 deduction change the amount that reaches your bank.
UK tax rates and thresholds · 2026/27
| Rule | Context |
|---|---|
| Personal Allowance | £12,570 before tapering assumptions |
| Allowance taper | Starts above £100,000 adjusted net income; falls by £1 for every £2 above the limit. |
| Additional rate threshold | £125,140 |
| National Insurance | Employee thresholds and category settings apply |
This UK 2026/27 salary calculator estimates annual Income Tax, employee National Insurance, pension and student-loan deductions, then shows indicative pay-period equivalents.
The result summary labels the editable sample while it is active. Every figure uses the current calculator settings and updates when you change an input.
Valid salary and settings in the page URL override the corresponding stored inputs. With functional storage enabled, a saved salary can replace the default when the URL has no salary value. Wales and Northern Ireland use Rest-of-UK Income Tax bands here; Scotland has separate bands. This browser-side annual estimate is not a payslip or HMRC determination: pay-period rounding, tax codes, year-to-date earnings, multiple jobs and scheme-specific pension rules can change actual payroll.
These official UK sources explain the 2026/27 Income Tax, National Insurance, Scottish tax and student-loan rules used to frame this estimate.