2026/27 tax year
UK salary calculator
A clear, accurate UK salary calculator and take-home pay estimate. Work out your net pay after tax, National Insurance, pension contributions and selected student-loan deductions.
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How to use the UK salary calculator
- Choose whether you know your annual gross salary or the monthly take-home pay you need.
- Add your employee pension contribution, whether it is salary sacrifice, and any student or postgraduate loan.
- Use the tax code from your payslip if it is one of the supported options, then calculate your net pay estimate.
What the result shows
You will see estimated annual and monthly take-home pay after Income Tax, employee National Insurance, employee pension and relevant student-loan deductions. Employer pension is shown separately because it is paid into your pension, not your bank account.
When this calculator is most useful
Use it to sense-check a salary, plan a pay rise, work out the salary needed for a net monthly goal, compare a proposed salary with your current one, or check the gap between gross salary and take-home pay.
Important limits
This is a 2026/27 estimate for PAYE employees in England, Wales and Northern Ireland. It does not yet model bonuses, benefits in kind, multiple jobs, attachment orders, Scottish or Welsh tax codes, or K codes. Your employer's payroll calculation remains the final figure.
Rules and thresholds are based on HMRC guidance for Income Tax, National Insurance, and student-loan deductions.
Frequently asked questions
Is this an exact payslip?
No. It is an annual PAYE planning estimate. Your employer's payroll calculation, tax code, pay frequency and deductions determine the final payment.
Does it include pension and student loans?
The main UK calculator can include employee pension and supported student-loan deductions. Check your scheme and payslip because employer rules vary.
Which tax year applies?
The calculator shows its supported tax year and assumptions. Check the payment date and review the linked official sources when rules change.
Last reviewed: . Rules and thresholds are checked against HMRC guidance; see each calculator's assumptions before relying on an estimate.
Guides
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How to calculate a pro-rata salary — understand part-time pay and what to check in an offer.
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Statutory Sick Pay 2026/27 — understand the current SSP rate and first-day rules.
UK tax year 2026/27: what changes? — check which payroll rules apply to your payment date.
What does tax code 1257L M1 mean? — understand the common emergency tax code and what to do next.
Cumulative vs non-cumulative PAYE — understand why a tax code can change what is deducted from your payslip.
Why has my take-home pay gone down? — identify the likely cause of a smaller payment and what to check.
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