UK Take Home Pay
Calculate your UK take-home pay after Income Tax and National Insurance deductions. Enter your gross annual salary to see net pay, tax breakdown, and charts.
About This Calculator
This UK Take Home Pay Calculator helps employed individuals in England, Wales, and Northern Ireland estimate their net annual income after Income Tax and National Insurance deductions. Simply enter your gross annual salary to see a detailed breakdown of your taxes and your final take-home pay.
The calculator uses the official UK Income Tax bands for 2026-27: a Personal Allowance of £12,570 (tax-free), basic rate of 20% up to £50,270, higher rate of 40% up to £125,140, and additional rate of 45% above that. The Personal Allowance is tapered by £1 for every £2 earned over £100,000. National Insurance is calculated at 8% on earnings between £12,570 and £50,270, and 2% above £50,270.
Note that this calculator assumes standard category A employee NI contributions and does not account for pension contributions, student loan repayments, or other salary sacrifice arrangements. Scottish taxpayers have different Income Tax bands set by the Scottish Parliament. For personalised advice, consult HMRC or a qualified accountant.
Frequently Asked Questions
How is UK take-home pay calculated?
UK take-home pay is your gross annual salary minus Income Tax and National Insurance contributions. Income Tax uses progressive bands: 0% on the Personal Allowance (£12,570), 20% on the basic rate band, 40% on the higher rate band, and 45% above £125,140. NI is 8% on earnings between £12,570 and £50,270 and 2% on earnings above £50,270.
What is the Personal Allowance for 2026-27?
The standard Personal Allowance for the 2026-27 tax year is £12,570, meaning you pay no Income Tax on the first £12,570 of your income. This allowance is reduced by £1 for every £2 you earn over £100,000, and is completely withdrawn once your income reaches £125,140.
What are the UK Income Tax bands for 2026-27?
For 2026-27, the UK Income Tax bands are: Personal Allowance up to £12,570 (0%), Basic Rate £12,571 to £50,270 (20%), Higher Rate £50,271 to £125,140 (40%), and Additional Rate over £125,140 (45%). Scottish residents may have different bands set by the Scottish Parliament.
How is National Insurance calculated for employees?
For employees in category A, National Insurance is 0% on earnings up to £12,570 per year, 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. These are Class 1 contributions deducted directly from your paycheck by your employer.
Does the Personal Allowance change if I earn over £100,000?
Yes, if your adjusted net income exceeds £100,000, your Personal Allowance is reduced by £1 for every £2 of income above the threshold. At £125,140 or more, your Personal Allowance is reduced to zero, meaning all of your income is subject to Income Tax.
What is the difference between Income Tax and National Insurance?
Income Tax is a progressive tax on your total taxable income that funds general government spending. National Insurance is a separate contribution that builds entitlement to certain benefits including the State Pension, Maternity Allowance, and contribution-based Jobseeker's Allowance. Both are deducted from your salary through PAYE.
Can I reduce my UK tax bill?
Yes, you can reduce your UK tax bill through pension contributions (which reduce your taxable income), Marriage Allowance (transferring £1,260 of Personal Allowance to a spouse), Gift Aid donations, and tax-efficient investments like ISAs. Salary sacrifice schemes for pensions, cycle-to-work, and childcare vouchers can also lower your tax and NI.
Is this calculator suitable for self-employed or Scottish taxpayers?
This calculator is designed for employed individuals in England, Wales, and Northern Ireland using category A National Insurance. Self-employed individuals pay Class 2 and Class 4 NI at different rates. Scottish residents have different Income Tax bands set by the Scottish Parliament. Always consult HMRC or a qualified accountant for your specific situation.