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Salary Calculator UK — Take-Home Pay After Tax and National Insurance

Published by H. Jhon · October 2026

Work out your take-home pay in seconds. This free UK salary calculator applies 2026/27 HMRC income tax bands, the personal allowance, National Insurance rates and optional Plan 2 student loan repayments to show exactly what lands in your bank account each month.

Annual gross salary (£)

Student loan (Plan 2)

How the UK salary calculator works

National Insurance rates in 2026/27

The calculator applies Class 1 employee National Insurance (NI) — the payroll deduction that funds the state pension and benefits. Unlike income tax it is not refundable through self-assessment, but it stops on earnings you move to an employer pension.

Who pays	Rate	On earnings
You (primary, main rate)	8%	£12,570 – £50,270 a year (the primary threshold up to the upper earnings limit)
You (above the UEL)	2%	everything above £50,270
Your employer (secondary)	15%	above £5,000 a year (secondary threshold)

Small businesses can wipe out up to £10,500 of employer NI with the Employment Allowance. Because the employer share never touches your payslip, your take-home is unaffected by it.

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<iframe src="https://freekalc.com/salary-calculator-uk?embed=1" width="100%" height="700" style="border:0;border-radius:12px;box-shadow:0 2px 12px rgba(0,0,0,.08)" title="UK Salary Calculator 2026 | FreeKalc" loading="lazy"></iframe>

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Enter your annual gross salary — the figure in your contract before deductions.
Choose whether you repay a Plan 2 student loan (9% of income above £29,385).
The calculator applies the £12,570 personal allowance, 20% / 40% / 45% tax bands and 8% / 2% employee National Insurance.
You get your net pay per year, month, week and day, with a full breakdown of each deduction.

Budgeting a one-off payment? See how a bonus is taxed in the UK on top of your salary.

Sources: HMRC. Rates last verified October 2026. Estimates only — see our editorial policy.

Frequently asked questions

What are the UK tax bands for 2026/27?

The personal allowance is £12,570 (tax-free, tapering above £100,000). The basic rate is 20% on taxable income up to £37,700, higher rate 40% up to £125,140, and additional rate 45% above that.

How much National Insurance do I pay?

Employees pay 8% on earnings between £12,570 and £50,270, and 2% on everything above £50,270. The calculator applies these rates to your gross salary.

Is pension contribution included?

Workplace pension contributions (usually 5% employee) are not deducted by default because schemes vary — subtract your pension contribution from the result if you pay into one.

Does this include the tax-free personal allowance?

Yes. The first £12,570 is tax-free, and the allowance is reduced by £1 for every £2 earned above £100,000, which the calculator handles automatically.

Estimates are for guidance only and are based on published 2026/27 rates. Always confirm with a qualified professional for financial decisions.

London salary breakdowns

Take-home pay is identical across the UK, but these pages budget it against London costs: