onlinesalarycalculator.co.uk

See what you actually take home.

A fast, modern UK salary calculator for the 2026/27 tax year. Updates instantly as you type — no sign up, no fluff.

Your details

Tell us about your salary

£

Enter your annual salary before deductions.

%

Net monthly pay

£2,858.30

£34,300 / year£659.61 / week

Breakdown (annual)

Gross salary
£45,000
Pension contribution
− £2,250
Income tax
− £6,036
National Insurance
− £2,414
Take-home pay
£34,300

Estimates for the rest of UK (excl. Scotland) using a standard tax code, salary-sacrifice pension and PAYE NI. Not financial advice.

How this calculator works

Plain-English answers to the questions people most often ask about UK take-home pay. Updated for the 2026/27 tax year.

How is UK take-home pay calculated for 2026/27?
Take-home pay is your gross salary minus Income Tax, National Insurance (Class 1 employee), any pension contribution and any student loan repayment. For 2026/27 the personal allowance is £12,570, then 20% Income Tax up to £50,270, 40% up to £125,140, and 45% above. National Insurance is 8% between £12,570 and £50,270 and 2% on earnings above £50,270.
What is the personal allowance for 2026/27?
The standard personal allowance is £12,570 — frozen until April 2028. It is reduced by £1 for every £2 of adjusted net income over £100,000, and is fully withdrawn once income reaches £125,140.
How much National Insurance do employees pay in 2026/27?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. There is no NI on earnings below the primary threshold of £12,570.
What are the UK student loan repayment thresholds for 2026/27?
Plan 1 starts at £26,065, Plan 2 at £28,470, Plan 4 (Scotland) at £32,745, Plan 5 at £25,000, all repaid at 9% of income above the threshold. Postgraduate loans start at £21,000 and are repaid at 6%. Thresholds are reviewed annually by the Student Loans Company.
How does a pension contribution affect take-home pay?
This calculator treats workplace pension contributions as salary sacrifice: the contribution is taken from gross pay before Income Tax and National Insurance are calculated, so it reduces both your tax bill and your NI as well as your take-home pay.
Does this calculator use Scottish income tax bands?
No. It uses the rest-of-UK Income Tax bands (England, Wales and Northern Ireland). Scottish taxpayers pay different rates and bands set by the Scottish Government.
Is this UK salary calculator free to use?
Yes. It is free, requires no sign-up, runs entirely in your browser, and does not store your salary information.

2026/27 rates at a glance

Rest-of-UK Income Tax, employee National Insurance and student loan thresholds for the 2026/27 UK tax year (6 April 2026 to 5 April 2027).

Income Tax (rest of UK)

Personal allowance£0 – £12,5700%
Basic rate£12,571 – £50,27020%
Higher rate£50,271 – £125,14040%
Additional rateOver £125,14045%

National Insurance (Class 1, employee)

Below primary thresholdUp to £12,5700%
Main rate£12,571 – £50,2708%
Upper rateOver £50,2702%

Student loan repayment thresholds

Plan 1£26,0659%
Plan 2£28,4709%
Plan 4 (Scotland)£32,7459%
Plan 5£25,0009%
Postgraduate Loan£21,0006%

Sources: HMRC and the Student Loans Company, 2026/27 tax year. Reviewed by the Online Salary Calculator editorial team. Last updated 30 June 2026.