Take-Home Pay Calculator
Enter your gross salary to see your estimated Income Tax, National Insurance, student loan and pension deductions for the 2026/27 tax year.
Your results
| Deduction | Amount |
|---|---|
| Gross income | £2,916.67 |
| Personal Allowance | £1,047.50 |
| Income Tax | −£373.83 |
| National Insurance | −£149.53 |
| Student Loan | £0.00 |
| Pension | £0.00 |
| Take-home pay | £2,393.30 |
Estimates only, based on standard tax codes and the 2026/27 thresholds. Not financial advice.
How your take-home pay is calculated
Your take-home pay is your gross salary minus four possible deductions: Income Tax, National Insurance, student loan repayments and pension contributions. Income Tax is charged on income above your tax-free Personal Allowance (£12,570 for most people), using the banded rates for your region. National Insurance is calculated separately on your gross pay above the Primary Threshold.
2026/27 Income Tax bands
| Band | England, Wales & N. Ireland | Scotland |
|---|---|---|
| Personal Allowance | £0 – £12,570 — 0% | |
| Starter / Basic | 20% up to £50,270 | 19% to £14,878, then 20% to £26,561 |
| Intermediate | — | 21% to £43,662 |
| Higher | 40% to £125,140 | 42% to £75,000 |
| Advanced | — | 45% to £125,140 |
| Additional / Top | 45% above £125,140 | 48% above £125,140 |
Scottish figures shown as gross-income equivalents (i.e. including the Personal Allowance); band widths in the calculator itself are applied to taxable income after the allowance.
Understanding your tax code
Your tax code, found on your payslip or P60, tells your employer how much tax-free pay to give you. If you enter it into the calculator above, it overrides the standard Personal Allowance and region worked out from your other answers.
| Tax code | What it means |
|---|---|
| 1257L | Standard Personal Allowance of £12,570 (the number × 10) |
| S1257L | Same as above, but taxed using Scottish Income Tax bands |
| C1257L | Same as above, taxed using rest-of-UK bands (Welsh taxpayer) |
| K475 | Negative allowance — £4,750 is added to your taxable income instead of deducted, often because of untaxed benefits |
| BR | All income taxed at the basic rate (20%), no Personal Allowance — common for a second job |
| D0 / D1 | All income taxed at the higher (40%) or additional (45%) rate, no Personal Allowance |
| 0T | No Personal Allowance, but normal banded rates still apply |
| NT | No tax deducted at all |
Frequently asked questions
How is UK take-home pay calculated?
Take-home pay is your gross salary minus Income Tax, National Insurance, any student loan repayments and any pension contributions. Income Tax is calculated on income above your Personal Allowance using banded rates; National Insurance is calculated separately on gross pay above the Primary Threshold.
What does my tax code mean?
Most tax codes are a number followed by a letter, like 1257L. Multiply the number by 10 to get your tax-free Personal Allowance for the year. A letter prefix of S means Scottish rates apply; special codes like BR, D0, D1, 0T and NT replace the normal allowance-and-bands calculation entirely — see the table above for what each one does.
Why is my Personal Allowance different in Scotland?
The Personal Allowance itself (£12,570) is the same UK-wide, but Scotland sets its own Income Tax rates and bands above that allowance, which differ from the rest of the UK.
Does salary sacrifice pension reduce my National Insurance?
Yes. Salary sacrifice contributions are deducted before National Insurance is calculated, so they reduce both your taxable income and your NI-able income. Relief-at-source contributions only reduce taxable income, not NI.