UK take-home pay calculator
Calculate UK take-home pay for the 2026/27 tax year. PAYE income tax, employee National Insurance at 8%, pension contributions, and student loan repayments, including Plan 5.
UK tax year 2026/27
📍 England, Wales & Northern Ireland
These income tax and employee National Insurance rates apply to England, Wales and Northern Ireland for 2026/27. Scotland has different income tax bands.
What's Included
PAYE Income Tax
Income tax for 2026/27 in England, Wales and Northern Ireland: 20%, 40% and 45%, with a £12,570 Personal Allowance.
National Insurance (Class 1)
Current 8% rate on earnings between £12,570-£50,270, then 2% above. Includes primary threshold calculations.
Net Take-Home Pay
Your actual salary after all deductions, shown annually and monthly for easy planning.
Student Loan Repayments
Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate Loan repayments, using the 6 April 2026 thresholds.