Salary & Take-Home Pay Calculator

UK take-home pay after income tax, National Insurance, pension and student loan — shown hourly, daily, weekly, monthly and annually.

Your inputs are sent to our server to calculate the result and are not intentionally retained. See our privacy policy.

About this calculator

Your salary and your take-home pay are two very different numbers. Between them sit income tax, National Insurance, pension contributions and — for many — student loan repayments. This calculator applies the current UK PAYE rules (2026/27 tax year) to show exactly what lands in your bank account, broken down hourly, daily, weekly, monthly and annually.

It supports Scottish income tax rates (which differ significantly from the rest of the UK), all five student loan plans plus the postgraduate loan, pension contributions, and an annual bonus. Enter your pay in whatever period you know it — per hour, day, week, month or year — and it annualises for you.

The formula

Taxable pay = Gross − Pension − Personal allowance (£12,570, tapered above £100k) Income tax = taxable pay through the 20% / 40% / 45% bands (Scottish: 19–48%) National Insurance = 8% between £12,570 and £50,270, then 2% Student loan = 9% (6% postgrad) of gross above your plan's threshold Take-home = Gross − Tax − NI − Pension − Student loan

Worked example

A salary of £35,000 (England, no pension, no student loan), 2026/27:

Personal allowance £12,570 → taxable £22,430
Income tax = £22,430 × 20% = £4,486
NI = (£35,000 − £12,570) × 8% = £1,794.40
Take-home = £28,719.60 a year ≈ £2,393 a month

Common mistakes

Judging a pay rise by the gross figure — between £100,000 and £125,140 the personal allowance taper makes the marginal rate 60%.
Forgetting that a bonus is taxed at your highest marginal rate, not your average rate.
Comparing a Scottish salary against rUK figures — the bands differ from £15,000 upwards.
Treating pension contributions as lost money — they reduce your tax bill and remain yours.

Frequently asked questions

Payslips use your specific tax code, cumulative PAYE through the year, and your employer's exact pension arrangement. This calculator assumes the standard 1257L code and a net pay pension scheme — close for most people, but not payslip-perfect.

Yes — choose "Scottish rates" and the six Scottish bands (19% to 48%) are applied instead of the three rUK bands. National Insurance is the same across the UK.

Broadly: Plan 1 for pre-2012 English/Welsh students, Plan 2 for 2012–2022 in England/Wales, Plan 4 for Scottish students, Plan 5 for English students starting from August 2023, and the postgraduate loan for master's/doctoral loans. Check your annual loan statement if unsure.

It has been frozen at £12,570 since 2021 and is due to stay there until 2031. It tapers away above £100,000 of income, disappearing entirely at £125,140.

Assumptions & limitations

Uses 2026/27 rates with a standard 1257L tax code. Pension is modelled as a net pay arrangement (reduces income tax, not NI). Does not model salary sacrifice, benefits in kind, marriage or blind person's allowance, or multiple simultaneous student loans. Not financial advice — for payroll-accurate figures speak to your payroll department.