UK Salary Calculator

UK take-home for tax year 2026 to 2027, from salary, income tax, and National Insurance. An estimate, not tax advice.

Smart Tips

• The tax year is 2026 to 2027, from 6 April 2026 to 5 April 2027.

• Choose Scotland only if Scottish income tax bands apply. Otherwise leave rest of the UK.

• Take-home here is salary minus income tax minus employee National Insurance. Employer National Insurance stays out.

• The personal allowance is £12,570 until income passes £100,000. It is zero at £125,140.

• Pension contributions, student loans, and Marriage Allowance are not deducted.

• This is not the US paycheck page. That page uses US federal tax, Social Security, and Medicare.

The Formula

Take-home = salary − income tax − employee NI

PA = £12,570
Falls £1 per £2 over £100,000

NI = 8% then 2%
£12,570 to £50,270, then above

rUK = 20%, 40%, 45%
On taxable income

Scot = 19% to 48%
Six Scottish bands

Rest of the UK taxes taxable income at 20% up to £37,700, 40% through £125,140, and 45% above that. Scotland taxes it at 19% up to £3,967, 20% through £16,956, 21% through £31,092, 42% through £62,430, 45% through £125,140, and 48% above that. Category A employee National Insurance uses the annual thresholds.

Key Insights

Labeled tax year

Every figure is for 2026 to 2027. It is not a previous year and not a US paycheck.

Scotland is a choice

One UK page would be wrong for Scottish income tax. The bands switch on this page. National Insurance does not.

Employee NI only

Category A: nothing to £12,570, 8% to £50,270, and 2% after that. The employer’s 15% is not taken off take-home.

An estimate

Your tax code, pension, and other income can change the deduction. This page does not file a return.

Frequently Asked Questions

2026 to 2027, from 6 April 2026 to 5 April 2027. That is the current tax year on the HMRC pages used for this calculator.

Take-home is gross salary minus income tax minus employee Class 1 National Insurance, category A. Income tax uses the personal allowance, then the bands for the country you choose. National Insurance is 8 percent between the annual primary threshold of £12,570 and the upper earnings limit of £50,270, then 2 percent above that. Employer National Insurance is not deducted. The monthly figure is one twelfth of the annual result.

Scottish income tax bands differ from England, Wales, and Northern Ireland. National Insurance is the same. Wales uses the same income tax rates as England and Northern Ireland for this tax year, so those three sit together as the rest of the UK.

Pension contributions, student loans, Marriage Allowance, Blind Person's Allowance, benefits, and any income other than the salary you type. Adjusted net income for the personal-allowance taper is that salary alone. This is an annual estimate using the yearly thresholds, not a weekly PAYE table, and it is not tax advice. It is not the US paycheck calculator.

The standard allowance is £12,570. It falls by £1 for every £2 of income above £100,000, and it is zero at £125,140. The bands then apply to salary minus that reduced allowance.

Income tax bands and the personal allowance are from HM Revenue and Customs, Income Tax rates and allowances for current and previous tax years, updated 6 April 2026. The tax year and the taper are also on https://www.gov.uk/income-tax-rates. Employee National Insurance thresholds and category A rates are from HM Revenue and Customs, Rates and thresholds for employers 2026 to 2027. As of 14 October 2026, HMRC had not published 2027 to 2028 income tax or National Insurance tables, so this page stays on 2026 to 2027.

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Take-home

Enter a salary to calculate

Income tax

National Insurance

Note:Tax year 2026 to 2027. Annual thresholds, category A employee National Insurance, and no pension or student loan. An estimate, not tax advice.