Take-home pay calculator 2026/27

Enter a gross salary to see income tax, National Insurance and take-home pay for 2026/27 in England, Wales or Northern Ireland. Scotland has different income tax bands. Information only.

Gross annual salary (£) Pension contribution (% of salary, from gross pay) Student loan NonePlan 2 (started 2012 to 2022)Plan 5 (started 2023 or later)

Uses the 2026/27 Personal Allowance of £12,570 (tapered above £100,000), 20%/40%/45% bands, employee NI at 8% and 2%, and student loan thresholds of £29,385 (Plan 2) and £25,000 (Plan 5). Tax codes, benefits in kind and other income are not included.