UK Work Pay

6 April 2026 to 5 April 2027

Take-home pay calculator

Estimate net pay from a regular salary in England, Wales or Northern Ireland. The estimate assumes one job, standard employee National Insurance (category A) and the standard Personal Allowance, reduced where applicable.

Enter the equivalent percentage of your full salary. If your scheme uses qualifying earnings, divide your annual contribution by your annual gross salary and multiply by 100.

How the estimate works

Income Tax is estimated across the full tax year. The Personal Allowance falls by £1 for every £2 of adjusted net income above £100,000. Employee National Insurance uses the thresholds for the pay frequency you select. Figures shown for other periods are averages.

With a net pay pension, contributions reduce taxable pay. With salary sacrifice, the estimate also reduces pay used for National Insurance. Use your actual agreed sacrifice. Pension relief at source, Scottish Income Tax, student loans, other income and nonstandard tax codes are outside this estimate.

See HMRC’s 2026/27 payroll rates and GOV.UK Income Tax rates and allowances. For final pay, use the redundancy calculator, the holiday calculator or the guide to tax on holiday and redundancy pay.

Payslip and pension guides