Kalkulo.eu

UK Take-Home Pay Calculator 2026/27

Calculate your UK take-home pay for the 2026/27 tax year (April 6 2026 – April 5 2027). Applies the personal allowance, Income Tax bands and National Insurance Class 1 contributions. Free, instant, England/Wales/NI rates.

Your take-home pay

  • Take-home monthly£2,393.30
  • Take-home annual£28,719.60
  • Gross monthly£2,916.67
  • Personal allowance£12,570.00
  • Taxable income£22,430.00
  • Income Tax (annual)£4,486.00
  • National Insurance (annual)£1,794.40
  • Total deductions£6,280.40
  • Effective tax rate17.94%
  • Marginal rate28.00%

How is UK take-home pay calculated in 2026/27?

UK take-home pay is what's left after Income Tax and National Insurance are deducted from your gross salary. Every employee gets a personal allowance of £12,570 — income up to this is tax-free. From £12,571 to £50,270 (the basic rate band) you pay 20% Income Tax. From £50,271 to £125,140 (higher rate) it's 40%. Above £125,140 (additional rate) it's 45%. Critically, your personal allowance is tapered away by £1 for every £2 you earn above £100,000 — fully gone at £125,140. This creates an effective 60% marginal rate between £100k and £125k that catches many people off-guard. National Insurance Class 1 is 8% on earnings between £12,570 and £50,270, then 2% above. Combined with Income Tax, marginal rates jump from 20%+8% (28%) to 40%+2% (42%) at the higher rate threshold. This calculator uses England/Wales/Northern Ireland rates — Scotland has different bands (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%). HMRC publishes the official rates and PAYE codes via gov.uk.

Official source: HMRC / gov.uk · Data updated: 2026-04-09

Frequently asked questions

Why does my take-home drop so much above £100,000?

Your personal allowance tapers away by £1 for every £2 you earn over £100,000, fully disappearing at £125,140. The combined effect is a 60% marginal rate on income between £100k and £125,140 — every £1 of that pay rise costs 60p in tax.

Does this include Scottish income tax?

No. This calculator uses England, Wales and Northern Ireland rates. Scottish income tax has 6 bands (19%, 20%, 21%, 42%, 45%, 48%) instead of 3. We're working on a Scottish version.

What about student loan repayments?

Not included in this calculator yet. If you have a Plan 1, 2, 4, 5 or Postgraduate loan, deduct 9% (or 6% postgrad) of your income above the relevant threshold (£21k–£33.8k depending on plan).

Is pension contribution included?

Not by default. Most workplace pensions reduce your taxable income — if you contribute 5% of your gross salary to a salary-sacrifice pension scheme, your take-home will be slightly higher than this calculator shows.

What's the difference between effective and marginal tax rate?

Effective rate is your total tax + NI as a percentage of your gross salary — your overall burden. Marginal rate is the percentage of your NEXT pound earned that goes to tax. Marginal matters for pay rise decisions; effective matters for budgeting.

Will tax bands change for 2027/28?

Personal allowance and basic rate threshold are frozen until April 2028 (the freeze announced in 2022 budget). This means more people drift into higher tax bands each year as wages rise — so-called 'fiscal drag'.

Related calculators