UK Salary Calculator Updated for the 2026/27 Tax Year
We've updated the calculator with HMRC's confirmed rates and thresholds for 2026/27. Here's what changed.
13 March 2026• 3 min read• calculatemysalary.co.uk Editorial Team
UK Salary Calculator 2026/27 – Work Out Your Take-Home Pay
This UK salary calculator shows how your gross pay is converted into take-home pay for the 2026/27 tax year.
What's included in this calculation
Income Tax, National Insurance, pension contributions and student loan repayments are applied in the same sequence used by HMRC. This lets you see how your net pay is calculated.
This calculation accounts for: UK and Scottish tax bands, all current student loan plans, salary sacrifice and relief-at-source pensions, and both annual and monthly salary inputs.
£
Select the tax year for calculation purposes
Select the country for tax calculation purposes
Take-home pay
£0.00
£0.00 per year
| Yearly (£) | |||
|---|---|---|---|
| Total Income | 0.00 | 0.00 | |
| Base salary | 0.00 | 0.00 | |
| Earnings Breakdown | |||
| Taxable income | 0.00 | 0.00 | |
| Deductions | 0.00 | 0.00 | |
| Take Home Pay | 0.00 | 0.00 | |
How your take-home pay is estimated
Your take-home pay is estimated following the order HMRC uses for income tax and payroll deductions.
The calculation follows this sequence:
- We start with your gross salary before any deductions.
- Pension contributions are subtracted if you have a pension set up.
- Your personal allowance is subtracted to get your taxable income.
- Income Tax is calculated across the tax bands.
- National Insurance is calculated above the relevant thresholds.
- Student loan repayments are deducted if you've selected a plan.
- What's left is your take-home pay.
The rates and thresholds used are for the 2025/26 UK tax year, including Scottish bands where selected.
For official technical details on how payroll income tax calculations are defined, see the UK government's Payroll Technical Specification — Income Tax.
If you found a different outcome
If your result doesn't match your payslip, a few things might explain the difference: your pension type (salary sacrifice vs relief at source), a non-standard tax code, multiple jobs, Scottish vs rest-of-UK tax bands, or a mid-year tax code change (more on this in Why Salary Calculators Give Different Results).
Spotted anything that does not look right? Provide us with feedback
Worked-out examples
£30,000 salary
England, no pension, no student loan, tax code 1257L.
Income tax£3,486.00
National Insurance£1,394.40
Take-home pay£25,119.60
£2,093.30/mo
£45,000 salary
England, no pension, no student loan, tax code 1257L.
Income tax£6,486.00
National Insurance£2,594.40
Take-home pay£35,919.60
£2,993.30/mo
Assumptions
With pension and student loan contributions switched off, net monthly pay is calculated assuming a 2025/26 tax year, a tax code of 1257L, and a sole PAYE employment. Full assumptions & methodology
Need a breakdown?
- How UK Salaries Are Calculated — complications of payroll, NI, pension, and all about student loans.
- Why Different Salary Calculators Give Different Results — the causes of discrepancies and how to deal with them.
- Assumptions & Methodology — the rates, thresholds, and calculations used by the calculator.
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