UK salary calculator · tax year 2026/27
Know exactly what
you keep.
Income tax, National Insurance, pension and student loan, worked out band by band from rates we verify against GOV.UK. No sign-up, and nothing you type is stored.
Verified against GOV.UKInstant, as you typeNothing tracked, nothing stored
Take-home pay
What do you actually
take home?
Enter your salary and watch the full breakdown appear, income tax, National Insurance, pension and student loan, worked out band by band.
Watch
UK tax, in a minute.
The allowance, the bands, National Insurance, and what it takes to be a top 10% or top 1% earner, from HMRC’s own numbers.
The shape of the system.
Two rates matter: what the next pound costs you, and what the whole salary loses. Most calculators show neither. The step at £50,270, the infamous 62% taper over £100,000, and the long climb of the effective rate are all here, and your own salary pins itself to the curve as you type.
Where you sit, nationally.
HMRC publishes the income of every percentile of UK taxpayers, and the curve is steeper than most people guess: the median is £29,700, the top 10% starts at £67,400, and the top 1% at £207,000. Type a salary above and your marker finds its place.
Enter a salary above to see where you sit among every UK taxpayer.
The 2026/27 rates, in one place
These are the exact parameters the calculator uses, read from GOV.UK, not copied from another calculator.
Income tax · England, Wales & Northern Ireland
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | over £125,140 | 45% |
Income tax · Scotland
| Band | Taxable income | Rate |
|---|---|---|
| Starter | £12,571 – £16,537 | 19% |
| Basic | £16,538 – £29,526 | 20% |
| Intermediate | £29,527 – £43,662 | 21% |
| Higher | £43,663 – £75,000 | 42% |
| Advanced | £75,001 – £125,140 | 45% |
| Top | over £125,140 | 48% |
National Insurance (employee, category A)
| Below £12,570 | 0% |
| £12,570 – £50,270 | 8% |
| Above £50,270 | 2% |
Your employer separately pays 15% above £5,000, it never shows on your payslip, but it is part of what you cost.
Student loan thresholds
| Plan 1 | £26,900 · 9% |
| Plan 2 | £29,385 · 9% |
| Plan 4 (Scotland) | £33,795 · 9% |
| Plan 5 | £25,000 · 9% |
| Postgraduate Loan | £21,000 · 6% |
Repaid on income over the threshold. Payroll rounds each month down to the pound.
Verified against GOV.UK · 5 August 2026
Salary calculators drift out of date, while building this one we found live 2026/27errors on some of the UK’s most-visited. We publish our sources instead of asking you to trust us:
Questions people ask
How is UK take-home pay worked out for 2026/27?
Your employer deducts income tax and National Insurance from your gross pay through PAYE. With the standard tax code, the first £12,570 is tax-free; income above that is taxed at 20% up to £50,270, 40% up to £125,140 and 45% beyond (Scotland uses its own six bands). Employee National Insurance is 8% of pay between £12,570 and £50,270 and 2% above. Pension contributions and student-loan repayments come out alongside.
Are the rates on this site up to date?
Yes, every 2026/27 parameter (bands, thresholds, allowances, student-loan plans) was read directly from GOV.UK, and the verification date is shown in the sources section. When rates change, the engine's per-year configuration changes with them.
Why is my personal allowance smaller above £100,000?
Adjusted net income above £100,000 withdraws the personal allowance at £1 for every £2, so it reaches zero at £125,140. In that zone each extra £100 of salary loses £40 in tax on the £100 itself plus £20 from the shrinking allowance, an effective 60% income-tax rate (62% with NI). Pension contributions reduce adjusted net income and can restore the allowance.
Does the calculator handle Scottish income tax?
Yes. Choose Scotland and the engine applies the six Scottish bands for the selected year (19% starter to 48% top rate). National Insurance and student loans stay UK-wide, so only the income-tax lines change.
Can it handle my tax code, bonus or benefits in kind?
Yes. Enter any PAYE code (1257L, K codes, BR, D0, D1, 0T, NT, with Scottish or Welsh prefixes) and the engine applies it exactly, including the K-code cap at half of pay. Annual bonus, overtime, benefits in kind and salary-sacrifice schemes each have their own field with the correct tax and NI treatment.
Is this tax advice?
No. The figures are estimates based on the standard tax code and published rates, useful for planning, but not tax, financial or legal advice. For a definitive answer check your tax code with HMRC.
Looking for a specific salary? Browse every salary from £10,000 to £100,000.