Skip to content
Updated for the 2026/27 tax year

UK take-home pay calculator

See what reaches your bank account after tax, NI, pension and student loan deductions. Free, private and no signup required.

£
£
%

Estimated take-home pay

Tax year 2026/27

£2,393.30

You keep approximately 82.1% of gross pay.

Gross pay£2,916.67
Income Tax−£373.83
National Insurance−£149.53
Estimate assumes one job, a standard tax code and NI category A. Payroll rounding and benefits can change the actual payslip.

What the estimate includes

The calculation applies the 2026/27 Personal Allowance and its taper above £100,000, Income Tax bands for England, Wales and Northern Ireland or Scotland, employee Class 1 National Insurance category A, salary sacrifice pension contributions and current student loan thresholds.

Important limitations

This is an estimate, not payroll or financial advice. It does not yet model benefits in kind, tax-code adjustments, multiple jobs, other NI categories or non-salary pension methods. NI and loan deductions on a real payslip use each pay period, so small differences are normal.

Official sources

Income Tax rates and Personal Allowances — GOV.UK ↗ Scottish Income Tax — GOV.UK ↗ NI rates and thresholds 2026/27 — GOV.UK ↗ Student loan repayment guidance — GOV.UK ↗

Rates reviewed by the WhatDoIEarn Editorial Team on 15 July 2026. See our methodology.