Take-Home Pay Calculator
Enter your salary to see what you take home each month, after income tax, National Insurance, and any pension or student loan.
Your pay
Uses 2026/27 tax rates. Pension and loans are optional.
Your results will appear here
Enter your salary and where you live, then press Calculate to see your take-home pay after tax, National Insurance and any pension or student loan.
How your take-home pay is worked out
- Income tax: the first £12,570.00 is tax-free (your personal allowance). Outside Scotland, the next £37,700.00 is taxed at 20%, income up to £125,140.00 at 40%, and anything above that at 45%. Scotland has six bands, from 19% to 48%.
- National Insurance: 8% on earnings between £12,570.00 and £50,270.00, and 2% above that. The rates are the same across the UK.
- Student loans: 9% of earnings over your plan's threshold (Plan 2 is £29,385.00), plus 6% over £21,000.00 for a postgraduate loan.
- Pension: your contribution, which can also reduce your tax (see below).
Above £100,000.00, your personal allowance shrinks by £1 for every £2 you earn, and disappears completely at £125,140.00.
Worked examples
- On a £30,000.00 salary in England, you would pay £3,486.00 income tax and £1,394.40 National Insurance, taking home £25,119.60 a year (£2,093.30 a month).
- On £60,000.00, you would take home £45,357.40 in England, Wales or Northern Ireland, or £43,607.35 in Scotland.
Open the first example in the calculator to see the monthly and weekly figures.
Pension contributions
- Net pay: your contribution is taken before income tax, so you get tax relief straight away. National Insurance is still charged on your full salary.
- Salary sacrifice: you give up part of your salary for a pension contribution, so you pay less income tax and less National Insurance.
- Relief at source: your contribution is taken after tax, and your pension provider adds 20% tax relief, so you only pay 80% of it yourself. Higher-rate taxpayers can claim extra relief through their tax return, which isn't included here.
Your payslip or pension provider can tell you which type your scheme uses.
Frequently asked questions
Why is my payslip different?
Payroll works out tax and National Insurance each pay period, so figures can differ by a few pence. Your tax code, benefits in kind, overtime, bonuses or a pension worked out only on part of your pay can also make a difference.
What tax code does this use?
The standard 1257L code, which gives the full personal allowance. If your tax code is different, for example because of a company car or untaxed income, your take-home pay will be different too.
Which student loan plan am I on?
It depends on when and where you started your course. Your student loan account or payslip shows your plan; Plan 4 is for students from Scotland.
Does this include employer pension contributions?
No. Employer contributions are paid on top of your salary, so they don't change your take-home pay.
Sources
This calculator uses the 2026/27 income tax, National Insurance and student loan rates published by HMRC and GOV.UK. Rates were last checked on 15 October 2026. Always confirm with the official sources below before making financial decisions.