Free UK Salary Calculator 2026/27
Enter your salary and see exactly what lands in your account each month.
| Yearly | Monthly | Weekly |
|---|
- Personal allowance £12,570, tapering above £100,000.
- England, Wales and Northern Ireland: 20% up to £50,270, 40% up to £125,140, 45% above.
- Scotland: 19% up to £16,537, 20% up to £29,526, 21% up to £43,662, 42% up to £75,000, 45% up to £125,140, 48% above.
- Employee National Insurance (UK wide): 8% between £12,571 and £50,270, 2% above.
- Student loans: 9% above your plan threshold. Postgraduate loans: 6% above £21,000.
- Figures are estimates based on published HMRC and GOV.UK rates. See our methodology page for the full detail.
More salary tools
Three more ways to understand your pay in 2026/27.
How your take home pay is worked out
Three quick steps stand between you and your true take home figure.
1. Enter your salary. Type your gross yearly salary into the calculator above. Add your pension contribution and student loan plan if they apply to you.
2. We apply the 2026/27 tax rules. Income tax bands, National Insurance and your personal allowance are applied exactly as set for this tax year.
3. See your true take home. You get monthly, weekly and yearly figures with a full breakdown that shows where every pound goes.
Every figure is computed live in your browser. Nothing is estimated and nothing leaves your device. Read our full methodology.
Where you sit in the tax bands
How much income tax you pay depends on which bands your earnings fall into. These are the 2026/27 bands for England, Wales and Northern Ireland.
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | £0 to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Only the slice of your income inside each band is taxed at that band’s rate. Scotland sets its own bands. How UK income tax works · Scottish income tax
Common questions
Yes. Every calculator and guide on this site is free to use with no sign up and no limits.
The calculator applies the 2026/27 income tax bands, National Insurance rates and thresholds exactly as they are set for this tax year, so the figures match what the rules produce for a standard case.
Yes. Set your pension contribution and student loan plan in the calculator and both are deducted before your take home figure is shown.
Your employer may spread your tax code differently across pay periods, or adjust for benefits and earlier underpayments. Check what your tax code means if the gap looks large.
Explore take home pay by salary
Select your salary to see the full monthly, weekly and yearly breakdown for 2026/27.