UK Take-Home Pay Calculator
Work out your UK take-home pay after Income Tax, National Insurance, pension and student loan for 2026/27, per year, month and week.
Reviewed by Dany, RightSums team · Updated
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salary-tax · Daily life · UK
Enter your gross annual salary and this calculator shows what reaches your bank account for 2026/27. It uses a £12,570 Personal Allowance, 20% basic rate up to £50,270, 40% up to £125,140 and 45% above that, with the allowance shrinking by £1 for every £2 over £100,000. Employee National Insurance is 8% between £12,570 and £50,270, then 2%. You can enter the tax code from your payslip, such as 1257L, K475 or BR, and choose how your pension is paid: net pay, salary sacrifice or relief at source. Pick a student loan plan, tick Scotland for Scottish bands or add Blind Person's Allowance. You get net pay per year, month and week and each deduction listed separately.
Accepted inputs
- Gross annual salary (£)
- Pension contribution (% or £ a year)
- Pension method (net pay, salary sacrifice or relief at source)
- Tax code (optional, e.g. 1257L, K475, BR, D0, NT, S or C prefix)
- Student loan plan (none, Plan 1, 2, 4, 5 or Postgraduate)
- Tax year (2026/27, 2025/26 or 2024/25)
- Scottish Income Tax and Blind Person's Allowance
Outputs
- Net monthly pay
- Net annual pay
- Net weekly pay
- Effective tax rate
- Income Tax, National Insurance, pension and student loan per year
- Amount going into your pension, and higher rate relief to claim (relief at source)
How to use the UK Take-Home Pay Calculator
- Type your gross annual salary, or tap one of the quick amounts from £30,000 to £125,000.
- Enter your pension as a percentage or a yearly amount, choose how it is paid and pick your student loan plan, if you have one.
- Add your tax code if you know it, since it replaces the standard allowance, or leave it blank to use £12,570 with the cut above £100,000.
- Read your net monthly, yearly and weekly pay, then check the split between Income Tax, National Insurance, pension and student loan.
Frequently asked questions
How much is £30,000 a year after tax in the UK?
£30,000 a year leaves you £25,119.60, or about £2,093 a month, with no pension or student loan in 2026/27. Income Tax is £3,486 and National Insurance is £1,394.40. The salary after tax pages at /salary cover every salary, with hourly rates at /salary#hourly and monthly take-home targets at /salary#take-home.
Is salary sacrifice better than a normal pension contribution?
Usually, because it saves National Insurance and student loan as well as Income Tax. On £60,000 with 5% going in and a Plan 2 loan, take-home is £41,132.05 with salary sacrifice, £40,802.05 with a net pay arrangement and £40,202.05 with relief at source. Relief at source then lets a higher rate payer claim about £600 back from HMRC.
How does relief at source work on my payslip?
Your contribution comes out of your pay after tax and your provider adds 20% basic rate relief. For £3,000 a year going in, you pay £2,400 and the provider claims £600 from HMRC. If you pay 40% or 45% tax, you claim the rest through Self Assessment or HMRC's online claim service, which changes your tax code.
How does my tax code change my take-home pay?
The number sets your tax-free pay and the letters set the rules. On £35,000 in 2026/27, 1257L leaves £28,719.60 a year. K475 adds £4,760 to your taxable pay and leaves £24,841.60. BR taxes everything at 20% and leaves £26,205.60. Emergency codes such as 1257L M1 give the same yearly total if your pay is steady.
Can salary sacrifice get me back under £100,000?
Yes. On £110,000, sacrificing £10,000 into your pension brings your pay to £100,000 and restores the full £12,570 allowance. Take-home falls from £72,357.40 to £68,557.40 a year, so £10,000 in your pension costs you £3,800. Without the sacrifice that £10,000 of pay is taxed at an effective 60% plus 2% National Insurance.
Sources
The rates and rules in this tool come from:
- GOV.UK: Tax codes: What your tax code means
- GOV.UK: PTM044230 - Contributions: tax relief for members: methods: net pay - HMRC internal manual
- GOV.UK: PTM044220 - Contributions: tax relief for members: methods: relief at source - HMRC…
- GOV.UK: Tax on your private pension contributions: Tax relief
- GOV.UK: Claim tax relief on your private pension payments
- GOV.UK: Personal Allowances: adjusted net income
- GOV.UK: Salary sacrifice for employers
- GOV.UK: CSLM17055 - SL repayments: borrower within PAYE: earnings, expenses and benefits - HMRC…
- GOV.UK: Blind Person's Allowance: What you'll get
- GOV.UK: Income Tax rates and allowances for current and previous tax years
- legislation.gov.uk: Income Tax Act 2007
- GOV.UK: Tax codes: Emergency tax codes
- GOV.UK: Tax codes: If you have a K in your tax code
- GOV.UK: Tax codes: If you think your tax code is wrong
Guides that use this tool
- HMRC tax refund: are you owed money back and how do you claim it?
- How to read your payslip: every line explained, with an example
- National Insurance rates 2026/27: what you pay and how it works
- Tax year dates UK: when the tax year starts, ends and what is due
- The 60% tax trap: how the £100,000 Personal Allowance taper works
Terms explained
- Adjusted net income: Adjusted net income is your total taxable income less certain reliefs, such as grossed-up pension contributions and Gift Aid; HMRC uses it for several tests.
- Annual allowance (pension): The annual allowance is the most that can go into your pensions each tax year before a tax charge applies: £60,000 for 2026/27.
- Emergency tax code: An emergency tax code, marked W1, M1 or X, taxes each payday on its own, as if you were paid that amount every period of the year.
- High Income Child Benefit Charge: The High Income Child Benefit Charge claws back 1% of Child Benefit for every £200 of adjusted net income over £60,000, and all of it at £80,000.
- Marginal tax rate: Your marginal tax rate is the share of your next pound or dollar of income that goes in tax and deductions.
- National Insurance: National Insurance is a UK tax on earnings that builds State Pension entitlement; employees pay 8% between £12,570 and £50,270 and 2% above in 2026/27.
Salary after tax tables
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