UK take-home pay calculator 2026/27
Salary after Income Tax, National Insurance, student loan and pension for England, Wales, Northern Ireland and Scotland.
Input
How to use this tool
- Enter your values or choose a local file. Replace the example data with your own.
- Review options, units and assumptions, then run the tool.
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Method & assumptions
Salary after Income Tax, National Insurance, student loan and pension for England, Wales, Northern Ireland and Scotland.
Income Tax 20% / 40% / 45% (Scotland 19–48%) above £12,570; NI 8% (£12,570–£50,270) + 2%Worked example
Annual salary (£): 45,000 Where you live: England, Wales or Northern Ireland Pension contribution (% salary sacrifice): 5 Student loan: None Postgraduate loan: No → Income Tax: GBP 6,036.00 → National Insurance: GBP 2,414.40 → Pension (salary sacrifice): GBP 2,250.00 → Take-home pay per year: GBP 34,299.60 → Per month: GBP 2,858.30 → Per week: GBP 659.61
Limits & important notes
Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.
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Your inputs stay in this tab. We do not receive your files, pasted text or calculation values.
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