UK Tax & Take-Home Pay Calculators 2026/27
PAYE take-home pay & HMRC bands
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- 2026/27 tax year
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How UK income tax and National Insurance work
In the UK, employers deduct tax through PAYE (Pay As You Earn), so the amount on your payslip is already net of income tax and National Insurance. The tax year runs from 6 April to 5 April. Most people get a tax-free Personal Allowance of £12,570, which shrinks by £1 for every £2 you earn above £100,000.
In England, Wales and Northern Ireland, income above the allowance is taxed at 20% up to £50,270, 40% up to £125,140 and 45% beyond. Scotland sets its own bands, with six rates from 19% to 48%. On top of income tax, employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 and 2% above that.
Pension contributions reduce the tax you pay, and salary sacrifice also saves National Insurance. The UK take-home pay calculator combines all of this to show your yearly, monthly and weekly pay after deductions.
Your tax code tells your employer how much tax-free pay to give you. The most common code, 1257L, means a £12,570 allowance. Between £100,000 and £125,140 the allowance tapers away, so each extra £1 of pay costs 40p in tax plus 20p from the lost allowance: an effective 60% rate before National Insurance. Pension contributions that bring your income back under £100,000 are especially valuable in that band.
Student loans are collected through payroll too: 9% of income above your plan's threshold, plus 6% above £21,000 for a postgraduate loan. Repayments depend on income, not on how much you owe, so two people on the same salary repay the same amount each month. The calculator includes Plans 1, 2, 4 and 5 and postgraduate loans.
Scotland uses six bands for 2026/27: 19% starter rate from £12,571 to £16,537, 20% basic to £29,526, 21% intermediate to £43,662, 42% higher to £75,000, 45% advanced to £125,140 and 48% above. Scottish taxpayers have an S at the start of their tax code (for example S1257L). National Insurance is the same across the UK, so the difference shows up only in income tax: choose Scotland as the region in the calculator to compare.
| Figure | |
|---|---|
| Personal Allowance | £12,570, reduced by £1 for every £2 above £100,000 |
| England, Wales, NI rates | 20% to £50,270, 40% to £125,140, 45% above |
| Scotland rates | 19%, 20%, 21%, 42%, 45%, 48% |
| Employee National Insurance | 8% from £12,570 to £50,270, 2% above |
| Student loan thresholds | Plan 1 £26,900 · Plan 2 £29,385 · Plan 4 £33,795 · Plan 5 £25,000 |
| Postgraduate loan | 6% above £21,000 |
What changed for 2026/27
- Thresholds still frozen. The £12,570 Personal Allowance and the £50,270 higher-rate and National Insurance thresholds are unchanged, so any pay rise pulls more of your income into tax.
- Student loan thresholds rise. Plan 1 goes from £26,065 to £26,900, Plan 2 from £28,470 to £29,385 and Plan 4 from £32,745 to £33,795. The postgraduate threshold stays at £21,000.
- Plan 5 repayments begin. Graduates on Plan 5 (English courses starting from August 2023) repay 9% of income above £25,000 from April 2026.
Take-home pay by salary
- £25,000 after tax
- £30,000 after tax
- £35,000 after tax
- £40,000 after tax
- £45,000 after tax
- £50,000 after tax
- £60,000 after tax
- £70,000 after tax
- £80,000 after tax
- £100,000 after tax
- £25,000 after tax (Scotland)
- £30,000 after tax (Scotland)
- £35,000 after tax (Scotland)
- £40,000 after tax (Scotland)
- £45,000 after tax (Scotland)
- £50,000 after tax (Scotland)
- £60,000 after tax (Scotland)
- £70,000 after tax (Scotland)
- £80,000 after tax (Scotland)
- £100,000 after tax (Scotland)