UK Take-Home Pay Calculator (2026-27) Widget

Let visitors turn a UK salary, monthly wage or hourly rate into take-home pay for the 2026-27 tax year - with Scottish or rUK income tax, employee National Insurance, three kinds of pension deduction and every student loan plan, shown per year, month and week.

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How it works

The annual salary (monthly x 12, weekly x 52, or hourly x hours x 52) first loses any salary-sacrifice pension. The personal allowance is £12,570, cut by £1 for every £2 of adjusted net income over £100,000, so it reaches zero at £125,140; a numeric tax code such as 1100L replaces it with 1,100 x 10 = £11,000. Taxable income is taxed through the bands HMRC publishes for employers: 20% up to £37,700, 40% to £125,140 and 45% above for England, Wales and Northern Ireland, or Scotland's six bands from 19% to 48%. Employee Class 1 National Insurance is 8% between £12,570 and £50,270 and 2% above. Student loans take 9% over the lowest chosen plan threshold (Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000) and a Postgraduate Loan another 6% over £21,000. A net pay pension leaves before income tax only; relief at source is paid at 80% from net pay while the provider adds 20%, and any higher-rate relief to reclaim is shown separately.

Calculation method

  • Allowance = 12,570 - floor((adjusted net income - 100,000) / 2), minimum 0; tax code nnnnL -> allowance = nnnn x 10, no taper
  • Taxable = floor(pay for tax - allowance); rUK: 20% to 37,700, 40% to 125,140, 45% above
  • Scotland: 19% to 3,967, 20% to 16,956, 21% to 31,092, 42% to 62,430, 45% to 125,140, 48% above (taxable income)
  • Employee NI = 8% x (min(pay, 50,270) - 12,570) + 2% x (pay - 50,270), each part floored at 0
  • Student loan = 9% x (pay - lowest plan threshold); Postgraduate = 6% x (pay - 21,000)
  • Salary sacrifice: pay = gross - P for tax, NI and loans; net pay: tax on gross - P, NI and loans on gross; relief at source: tax, NI, loans on gross, 0.8 x P from net pay
  • Relief-at-source extra claim = tax(gross) - tax(gross - P) - 20% x P, floored at 0

Worked examples

Basic-rate salary in England

Inputs: £30,000 a year, England, no pension, no student loan

Result: Take-home £25,119.60 a year (£2,093.30 a month): income tax £3,486.00, NI £1,394.40

Taxable £17,430 x 20% = £3,486; NI 8% x (£30,000 - £12,570) = £1,394.40.

The £100,000 taper

Inputs: £110,000 a year, England, no pension

Result: Take-home £72,357.40: allowance £7,570, income tax £33,432.00, NI £4,210.60

Allowance falls by £5,000; taxable £102,430 = £37,700 x 20% + £64,730 x 40%.

Scottish bands

Inputs: £50,000 a year, Scotland, no pension

Result: Income tax £8,982.05, NI £2,994.40, take-home £38,023.55

£3,967 x 19% + £12,989 x 20% + £14,136 x 21% + £6,338 x 42% on taxable £37,430.

Salary sacrifice vs net pay

Inputs: £40,000, England, 5% pension

Result: Sacrifice: take-home £30,879.60; net pay or relief at source: £30,719.60

Sacrifice saves 8% NI on the £2,000 contribution (£160).

An estimate of UK income tax and deductions for planning, not tax or financial advice. Your payslip and HMRC's records decide what you actually pay.

Limitations

  • One employment with the same pay all year; bonuses, second jobs, savings and rental income are not included.
  • Benefits in kind, Marriage Allowance, Blind Person's Allowance, K, BR, D0, D1, NT and emergency codes are not modelled.
  • Higher-rate relief on relief-at-source pensions is shown as a claim, not added to take-home pay; Scottish relief-at-source claims are approximated at marginal rates.
  • Figures are for the 2026-27 tax year only and need updating each April.

Where publishers use it

  • A UK recruitment agency's job advert showing what a £42,000 role pays each month after deductions
  • A Scottish employer's careers page comparing take-home pay under Scottish and rUK bands
  • A university careers service explaining how a Plan 2 or Plan 5 loan and a Postgraduate Loan both come out of a graduate salary
  • An HR intranet page illustrating why a salary-sacrifice pension leaves more money than relief at source
  • A personal-finance blog post about the 60% tax trap between £100,000 and £125,140

Questions

Why does take-home pay fall so sharply between £100,000 and £125,140?

The personal allowance shrinks by £1 for every £2 earned over £100,000, so each extra £1 is taxed at 40% and also pulls 50p of allowance into the 40% band - an effective 60% income tax rate (plus 2% NI) until the allowance is gone at £125,140. A salary-sacrifice or net pay pension reduces the income used for the taper.

How do the Scottish bands differ in 2026-27?

Scottish taxpayers pay 19% on the first £3,967 of taxable income, 20% to £16,956, 21% to £31,092, 42% to £62,430, 45% to £125,140 and 48% above. On a £30,000 salary that is £3,451.07 of income tax against £3,486 in England - but on £50,000 it is £8,982.05 against £7,486.

What is the difference between the three pension methods?

Salary sacrifice lowers your pay, so income tax, National Insurance and student loan repayments all fall. A net pay arrangement takes the contribution before income tax but not before NI. With relief at source you pay 80% of the contribution from net pay and the provider claims 20% from HMRC; higher-rate taxpayers claim the rest. On £40,000 with 5%, sacrifice leaves £30,879.60 and the other two £30,719.60 - the £160 gap is NI.

I have Plan 1 and Plan 2 loans - do I repay twice?

No. You repay 9% of income over the lowest threshold of the plans you hold (£26,900 for Plan 1), and the repayment is shared between the loans. A Postgraduate Loan is different: 6% over £21,000 is taken at the same time, on top.

Which tax codes can I enter?

Numeric codes such as 1257L, 1100L, S1257L (Scottish), C1257L (Welsh) and 0T. K codes, BR, D0, D1, NT and emergency week 1 / month 1 codes are not modelled - the widget says so instead of guessing.

Why might my payslip differ slightly?

Payroll calculates each pay period separately with period thresholds (for example a £1,048 monthly NI threshold) and rounds student loan deductions down to whole pounds, while this widget works on the year and spreads it evenly.

Sources

  1. Rates and thresholds for employers 2026 to 2027 - HM Revenue & Customs (GOV.UK) . PAYE bands for England, Northern Ireland, Wales and Scotland, Class 1 NI thresholds and rates, student and postgraduate loan thresholds and rates, from 6 April 2026. Checked 2026-10-01.
  2. Income Tax rates and Personal Allowances - GOV.UK . £12,570 personal allowance reduced by £1 for every £2 of adjusted net income above £100,000. Checked 2026-10-01.
  3. Scottish Income Tax 2026 to 2027 - GOV.UK . Scottish starter to top rate bands in total-income terms, used to cross-check the employer figures. Checked 2026-10-01.
  4. Repaying your student loan: what you pay - GOV.UK . Plan thresholds, 9% and 6% rates, the lowest-threshold rule for two plans and Postgraduate Loan repaid at the same time. Checked 2026-10-01.
  5. Tax on your private pension contributions: tax relief - GOV.UK . Contributions taken before income tax versus relief at source at 20% added by the provider. Checked 2026-10-01.
  6. Salary sacrifice and the effects on PAYE - HM Revenue & Customs (GOV.UK) . No income tax or NI charge on salary sacrificed for registered pension contributions; cash pay must stay at or above the National Minimum Wage. Checked 2026-10-01.

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A2Z Tools UK Take-Home Pay Calculator (2026-27)
https://a2z.tools/embed/uk-take-home-pay

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