Take-Home Pay Calculator (2026/27)
Enter your gross annual salary to see your income tax, National Insurance and net take-home pay for the 2026/27 tax year — per year, month and week. Rates are taken directly from HMRC and cited below.
How it works
Income tax: your first £12,570 is tax-free (Personal Allowance). Income above that is taxed at 20% up to £50,270, at 40% up to £125,140, and at 45% above that. If you earn over £100,000, your Personal Allowance shrinks by £1 for every £2 of income, disappearing entirely at £125,140.
National Insurance: you pay 8% on earnings between £12,570 and £50,270, and 2% on anything above. Your take-home pay is simply gross salary minus income tax minus National Insurance.
This calculator uses the rates for England, Wales and Northern Ireland. Scottish income tax bands are different — a Scotland option is coming soon. Student loan repayments and pension contributions are not yet included.
FAQ
What are the UK income tax rates for 2026/27?
The Personal Allowance is £12,570. Income above it is taxed at 20% (basic rate, up to £50,270), 40% (higher rate, up to £125,140) and 45% (additional rate). These thresholds are frozen and unchanged from 2025/26.
How much National Insurance will I pay in 2026/27?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. The rates are unchanged from last year and are confirmed in HMRC’s official 2026/27 employer guidance.
Why does my Personal Allowance disappear above £100,000?
For every £2 you earn over £100,000, you lose £1 of Personal Allowance. At £125,140 it reaches zero. This creates an effective 60% tax rate on income between £100,000 and £125,140 — one reason many people in that band increase pension contributions.
Does this calculator work for Scotland?
Not yet. Scotland sets its own income tax bands (19% to 48% across six bands in 2026/27), which differ significantly from the rest of the UK. National Insurance is UK-wide, so that part would match. A Scottish version is planned.
Related tools
Salary breakdowns
See the full after-tax breakdown for a specific salary: