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Enter the figure on your contract or job offer, before any deductions. Choose whether it is a yearly, monthly or weekly amount.
Turn a gross salary into your real take-home pay. We deduct Income Tax (PAYE) and employee National Insurance using the official 2026/27 rates, with a monthly and weekly breakdown.
Enter the figure on your contract or job offer, before any deductions. Choose whether it is a yearly, monthly or weekly amount.
Scottish taxpayers (tax codes starting with S) pay different Income Tax rates and bands. National Insurance is the same across the UK.
Your effective deduction rate is 17.9%. Tax year 2026/27.
Estimate only — not official advice. This calculator assumes a single person with the standard tax code (1257L), no student loan, no pension contributions and no other income or benefits in kind. Figures use the official 2026/27 Income Tax and National Insurance rates, in force from 6 April 2026 (data verified 29 June 2026). HMRC works National Insurance out per pay period and rounds each period, so your payslip may differ by a few pence. For your exact position, check the official HMRC tool or speak to an accountant.
From your gross salary, two deductions are taken before the money reaches your bank account: Income Tax and National Insurance
The first £12,570 you earn is tax-free — your Personal Allowance. After that, tax is charged in bands: 20% (basic rate), 40% (higher rate) and 45% (additional rate). Only the slice of income that falls inside each band is taxed at that rate, so a pay rise never leaves you worse off.
Employee Class 1 National Insurance is charged at 8% on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), then 2% on anything above that. It funds the state pension, the NHS and other benefits, and is separate from Income Tax.
Once your income passes £100,000, your Personal Allowance shrinks by £1 for every £2 earned above it, disappearing entirely at £125,140. This creates a well-known “60% tax trap” on income between £100,000 and £125,140. The calculator applies the taper automatically.
If you live in Scotland and your tax code starts with S, Income Tax is charged across six bands (19% to 48%) rather than three. National Insurance stays the same. Switch the region toggle to Scotland to see how it changes your take-home pay.
The most common questions about going from gross salary to the money in your pocket
Your take-home pay is the money left from your salary once HMRC has taken its share. In the UK there are two deductions that come straight off most employees’ pay: Income Tax, collected through the PAYE (Pay As You Earn) system, and National Insurance contributions. Both are worked out from your gross salary — the figure agreed in your contract — and both start only once you earn above the £12,570 threshold. The formula is simple: take-home = gross − Income Tax − National Insurance.
Everyone earning under £100,000 gets a Personal Allowance of £12,570 that is free of Income Tax. Above that, tax is charged progressively. In England, Wales and Northern Ireland the basic rate of 20% applies to taxable income up to £37,700 (i.e. earnings up to £50,270), the higher rate of 40% applies on income up to £125,140, and the additional rate of 45% applies above that. Because the system is progressive, a higher salary always means more take-home pay — only the slice inside each band is taxed at that band’s rate.
On top of Income Tax, employees pay Class 1 National Insurance. For the 2026/27 tax year the main rate is 8% on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), and 2% on earnings above £50,270. Unlike Income Tax, National Insurance is the same right across the UK — including Scotland — and is calculated by your employer for each pay period.
Figures for a single person on the standard tax code in England, Wales or Northern Ireland, 2026/27 rates. Scottish taxpayers and anyone with a student loan, pension contributions or a non-standard tax code will see different numbers.
Income Tax on earnings is devolved to the Scottish Parliament, so Scottish taxpayers face six bands rather than three: a 19% starter rate, 20% basic rate, 21% intermediate rate, 42% higher rate, 45% advanced rate and 48% top rate. For many middle and higher earners this means slightly more tax than in the rest of the UK. National Insurance, however, is identical everywhere, so the only difference in your take-home pay comes from the Income Tax bands. Use the region toggle above to compare the two.
Note: This take-home pay calculator is an estimate based on the standard tax code (1257L) and the official 2026/27 rates. It does not include student loan repayments, workplace pension contributions, benefits in kind, Marriage Allowance or other adjustments. For your exact position, use HMRC’s official tool or speak to an accountant.
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