Take-Home Pay Calculator
See what lands in your account each month after income tax, National Insurance, pension and student-loan repayments for the 2026/27 tax year. Your salary is remembered on this device and used to pre-fill the other calculators.
Illustration only
These figures are estimates from simplified models and may be inaccurate or out of date. This is not financial, tax or mortgage advice. Check your own circumstances with a qualified, regulated professional before acting. Read the disclaimer.Your details
Where do you live?
Student loan plan
Percentage of your qualifying earnings (£6,240–£50,270) — the auto-enrolment basis.
Estimated take-home pay
— / month
Enter a gross salary to see your breakdown.
| Breakdown (2026/27) | Year | Month | Week |
|---|---|---|---|
| Gross salary | £0.00 | £0.00 | £0.00 |
| Take-home pay | £0.00 | £0.00 | £0.00 |
Assumptions
- Standard tax code with the full personal allowance (tapered above £100,000).
- Employee (Class 1) National Insurance, calculated on an annual basis.
- Pension handled according to the arrangement you choose — salary sacrifice, net pay or relief at source — which changes how it interacts with tax, NI and student loan.
- No other income, benefits-in-kind, or allowances are taken into account.
Full details are on the methodology page.