Use annual expected income
Include taxable bonus and overtime expected between 6 April 2026 and 5 April 2027, not a monthly figure.
Free UK salary after tax tool
UK take-home pay calculator for 2026/27.
See what reaches your bank account after Income Tax, employee National Insurance, student loans and salary-sacrifice pension. Switch between annual, monthly and weekly results.
Current 2026/27 ratesScotland includedPrivate browser calculation
Pension input is specifically salary sacrifice. Relief-at-source and net-pay pension schemes can produce a different NI and take-home result.
Estimated take-home
£2,813.30
per month
From £42,000 gross. Estimated deductions and pension are £8,240 (19.6%).
Take-home£2,813.30
Income Tax£490.50
National Insurance£196.20
Income Tax
£490.50
National Insurance
£196.20
Student loan
£0.00
Pension
£0.00
Annual estimate using a standard employee NI category and current 2026/27 thresholds. Actual PAYE can differ because payroll works by pay period, tax code, benefits, irregular pay and prior earnings.
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Read your result
Salary after tax is more than one percentage.
The calculator starts with salary and bonus, then applies the deductions that commonly change an employee's banked pay. It models the standard Personal Allowance of £12,570 and its taper above £100,000 adjusted income. Blind Person's Allowance can be added where eligible.
Employee National Insurance is estimated at 8% between £12,570 and £50,270, then 2% above that level. The Scotland option changes earned-income tax bands but not NI. Student-loan deductions use the current threshold for the selected plan, with Postgraduate Loan available as a separate simultaneous deduction.
Check the pension method
Only enter pension exchanged through salary sacrifice. A payslip or benefits portal should state whether salary sacrifice applies.
Treat the answer as an estimate
Tax codes, benefits, multiple jobs, irregular payroll and prior pay can change the amount deducted in an individual month.
Official 2026/27 sources
Current thresholds, with assumptions visible.
HMRC publishes the PAYE bands, employee NI thresholds and student loan levels used by employers. GOV.UK separately publishes the Scottish earned-income bands and confirms the £3,250 Blind Person's Allowance.
This is not payroll software and does not calculate employer NI, benefits in kind, tax-code adjustments, dividends, savings, Marriage Allowance, multiple employments or self-employed tax.
Rules reviewed 30 June 2026.
FAQ
UK take-home pay questions.
How accurate is this UK take-home pay calculator?+
It is an annual estimate using published 2026/27 Income Tax, employee National Insurance and student-loan thresholds. Your payslip can differ because PAYE works by pay period and depends on your tax code, previous earnings, benefits, NI category and payroll rounding.
Does the calculator support Scottish Income Tax?+
Yes. Choose Scotland to apply the 2026/27 starter, basic, intermediate, higher, advanced and top rates to earned income. National Insurance and student-loan rules remain UK-wide.
How is pension included?+
The pension field models salary sacrifice, where contractual gross pay is exchanged before Income Tax and National Insurance. Net-pay and relief-at-source pension arrangements work differently and should not be entered as salary sacrifice.
Can I have a student loan and Postgraduate Loan together?+
Yes. Select Plan 1, 2, 4 or 5 and separately tick Postgraduate Loan. The estimate applies 9% above the selected undergraduate-plan threshold and 6% above the postgraduate threshold.
Does a bonus affect student-loan deductions?+
Yes. GOV.UK says repayment income includes bonuses and overtime before tax and other deductions. A large one-off payment can trigger a deduction in that pay period even if annual income later finishes below the annual threshold.