UK 2026/27 tax year
Instant take-home pay, side-by-side salary comparisons and reverse goal planning. No sign-up, no ads, no fluff — updated for the 2026/27 tax year.
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Enter your annual salary before deductions.
Net monthly pay
£2,858.30
Breakdown (annual)
Estimates for the rest of UK (excl. Scotland) using a standard tax code, salary-sacrifice pension and PAYE NI. Not financial advice.
Built by a real person in the UK — not a generic calculator. We update rates every tax year and show our workings so you can trust the numbers.
Personal allowance, tax bands, National Insurance and student loan thresholds are set to the official 2026/27 figures. See the full rates table.
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Plain-English explainers on UK pay, tax and pensions.
A proposed UK pay transparency law could push employers to show salary information earlier in hiring, including on job adverts or before interviews. For applicants, an advertised salary range usually means the employer has set a lower and upper pay point for the role, with your offer likely depending on experience, skills, location and benefits.
10 Aug 2026
The easiest way to find your student loan plan is by logging into your Student Loans Company (SLC) account or checking your repayment details. Your plan depends on where you lived when you applied for student finance and when you started your course. The most common plans are Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loans, each with different repayment thresholds and rules.
10 Aug 2026
If you have a PAYE job and a side hustle, your extra income is added on top of your salary for tax. You only pay the higher tax rate on the part that falls into that band, not on all your income. Your take-home pay depends on your salary, side hustle profit, National Insurance and any student loan repayments.
7 Aug 2026
For the 2026/27 tax year: * Personal Allowance: £12,570 (most people pay no Income Tax on earnings up to this amount). * Basic rate tax: 20% on taxable income from £12,571 to £50,270. * Higher rate tax: 40% on taxable income from £50,271 to £125,140. * Additional rate tax: 45% on taxable income over £125,140. * The Personal Allowance is gradually reduced once income exceeds £100,000, meaning many people effectively pay a higher rate between £100,000 and £125,140.
5 Jul 2026
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Plain-English answers to the questions people most often ask about UK take-home pay. Updated for the 2026/27 tax year.