Take-home pay calculator 2026/27

For employees in England, Wales and Northern Ireland. Nothing you type leaves your device.

Gross salary (before tax) Workplace pension (% of salary)

Assumes a salary-sacrifice or 'net pay' scheme, so pension is taken before tax and National Insurance.

Your estimate

Gross pay–

Pension–

Income Tax–

National Insurance–

Take-home per year–

Per month–

Tax code 1257L, no student loan. Rates: personal allowance £12,570 (reduced by £1 for every £2 over £100,000), 20% to £50,270, 40% to £125,140, 45% above. Employee NI 8% from £12,570 to £50,270, then 2%. Source: GOV.UK. An estimate only, not tax advice.

Now make every pound count

Put your take-home pay into the UK Budget & Bills Bundle and see where it goes.

See the budget spreadsheet