--- title: "UK Take-Home Pay Calculator 2026-27 | Salary After Tax & NI" description: "Free UK take-home pay calculator — income tax, National Insurance and pension for 2026-27. See your salary after tax for England, Wales & Northern Ireland." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "WebApplication", "name": "UK Take-Home Pay Calculator 2026-27", "applicationCategory": "FinanceApplication", "operatingSystem": "Web", "url": "https://paybyroster.com/uk/salary-calculator", "description": "Calculate UK take-home pay after income tax, National Insurance and pension contributions using 2026-27 rates for England, Wales & Northern Ireland.", "offers": { "@type": "Offer", "price": "0", "priceCurrency": "GBP" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How is take-home pay calculated in the UK?", "acceptedAnswer": { "@type": "Answer", "text": "Take-home pay is your gross salary minus income tax, National Insurance, and any pension contributions you make." } }, { "@type": "Question", "name": "What is National Insurance?", "acceptedAnswer": { "@type": "Answer", "text": "National Insurance is a payroll contribution. Class 1 employee NI is charged at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270." } }, { "@type": "Question", "name": "What is the personal allowance for 2026-27?", "acceptedAnswer": { "@type": "Answer", "text": "The personal allowance is £12,570 for 2026-27. It is reduced by £1 for every £2 of income above £100,000 and is fully tapered away at £125,140." } }, { "@type": "Question", "name": "Does this include Scottish income tax?", "acceptedAnswer": { "@type": "Answer", "text": "No — this calculator uses England, Wales and Northern Ireland rates. Scottish income tax has different bands and rates." } } ] } ] --- [ P PayByRoster ](/) [Pay Calculator](/)[Salary Calculator](/salary-calculator)[Roster Comparison](/roster-comparison)[Roster Optimiser](/roster-optimizer)[Finance Tracker](/finance-tracker) Guides & Info [Sign in](/login)Toggle theme # UK Take-Home Pay Calculator See your salary after tax in the United Kingdom. Enter your annual salary to get income tax, National Insurance and pension contributions using 2026-27 rates — weekly, fortnightly, monthly and annual. [Australian salary calculator →](/salary-calculator) Tax year 2026-27 6 April 2026 – 5 April 2027 Annual salary £ Gross annual salary £0 £250k £500k Pension contribution Salary sacrifice — reduces income tax and National Insurance Uses England, Wales & Northern Ireland rates. Scottish income tax rates differ. Annual take-home pay £28,719.60 Gross £35,000.00 Total tax £6,280.40 Pension £0.00 Where your salary goes Annual breakdown - Take-home £28,720 - Income Tax £4,486 - National Insurance £1,794 Your 2026-27 tax summary Income tax and National Insurance at a glance Effective tax rate 17.9% Total deductions as a share of gross salary Personal allowance £12,570 Taxable income £22,430 Total deductions £6,280 Your income tax band 2026-27 · England, Wales & NI 20% marginal rate you In band £12,570 – £50,270 To next band £15,270 away How your tax was calculated Taxable income Rate Tax £0 – £22,430You 20% £4,486 Total income tax £4,486 Income tax only — National Insurance is shown separately. Pay Period Breakdown Grouped view · click a category to expand or collapse Show pay period WkFtnMthYr Weekly Fortnightly Monthly Annual Take-home pay £552.30 £1,104.60 £2,393.30 £28,719.60 Gross salary £673.08 £1,346.15 £2,916.67 £35,000.00 Total tax \-£120.78 \-£241.55 \-£523.37 \-£6,280.40 Deductions £120.78 £241.55 £523.37 £6,280.40 Income Tax £86.27 £172.54 £373.83 £4,486.00 National Insurance £34.51 £69.02 £149.53 £1,794.40 ## Export Results Download your UK salary calculation for record-keeping Salary Report Excel format (.xlsx) Salary Report PDF format You take home about $28,720 a year — now see where it goes. PocketSmith is Australia's most powerful budgeting & cashflow app — connect your banks and forecast every pay cycle. 378,000+ users · bank-level security [See how PocketSmith works](/financial-info/pocketsmith-review) ## How UK take-home pay is calculated Your take-home pay is your gross salary minus income tax, National Insurance and any pension contributions. Income tax is progressive: the first £12,570 you earn is covered by the personal allowance and taxed at 0%, the next slice is taxed at the 20% basic rate, then 40% at the higher rate, and 45% at the additional rate. National Insurance is calculated separately from income tax on your earnings, not on taxable income. A pension contribution made by salary sacrifice reduces the base for both income tax and National Insurance, which is why it is usually the most tax-efficient way to save. This calculator uses England, Wales and Northern Ireland rates and excludes student loan repayments and tax code adjustments. ## 2026-27 income tax bands (England, Wales & NI) Band Tax rate Personal allowance — £0 – £12,570 0% Basic rate — £12,571 – £50,270 20% Higher rate — £50,271 – £125,140 40% Additional rate — over £125,140 45% Above £100,000 the personal allowance is reduced by £1 for every £2 of income, and is gone entirely at £125,140. That taper creates an effective marginal rate of about 60% on income between £100,000 and £125,140. ## National Insurance explained Employees pay Class 1 National Insurance contributions on their earnings. Nothing is due on the first £12,570 (the primary threshold). Earnings between £12,570 and the upper earnings limit of £50,270 are charged at 8%, and everything above £50,270 is charged at 2%. National Insurance is charged on earnings rather than on taxable income, so the personal allowance taper does not affect it. ## Pension contributions This calculator models pension contributions as salary sacrifice: you give up part of your gross salary, so the amount is removed before both income tax and National Insurance are worked out. That means a £5,000 sacrifice saves you income tax at your marginal rate plus the National Insurance you would otherwise have paid on that slice of pay — a bigger saving than a contribution made from net pay. ## A note on Scotland Scottish income tax is set by the Scottish Parliament and uses its own bands and rates, including a starter rate, an intermediate rate and higher top rates than the rest of the UK. This calculator uses England, Wales and Northern Ireland rates, so Scottish taxpayers should treat the income tax figure as indicative only. National Insurance is the same across the whole UK. ## Frequently asked questions ### How is take-home pay calculated in the UK? Take-home pay is your gross salary minus income tax, National Insurance, and any pension contributions you make. ### What is National Insurance? Class 1 employee National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. ### What is the personal allowance for 2026-27? £12,570. It is reduced by £1 for every £2 of income above £100,000 and is fully tapered away at £125,140. ### Does this include Scottish income tax? No — it uses England, Wales and Northern Ireland rates. Scottish income tax has different bands and rates. ## Related guides - [National Insurance Explained](/uk/financial-info/national-insurance-explained) — employee NI rates, thresholds and how it's calculated - [UK Income Tax Bands & Personal Allowance](/uk/financial-info/income-tax-bands-personal-allowance) — the 20/40/45% bands, the £12,570 allowance and the £100k taper - [Pension Salary Sacrifice Explained](/uk/financial-info/pension-salary-sacrifice) — how salary sacrifice cuts both income tax and NI - [How to Calculate Your UK Take-Home Pay](/uk/financial-info/how-to-calculate-take-home-pay) — the full gross-to-net workflow [ P PayByRoster ](/) The #1 FIFO roster pay calculator and shift worker planner. 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