- Take-home pay£2,858.3076.2%
- Income Tax£503.0013.4%
- National Insurance£201.205.4%
- Pension from pay£187.505%
Shares from gross pay
Partnership contributions reduce relevant Income Tax and NI earnings. Employer matching adds shares, not spendable pay.
UK SALARY CALCULATOR 2026/27
UK take-home pay calculator
Find out how much of your salary reaches your bank account after tax and other deductions.
- Enter your salaryUse the amount before tax.
- Check what appliesPension, loans or workplace schemes.
- See what you keepYour results are below the form.
Enter your pay details
01
Start with your pay
Choose your main home, not your workplace. Scotland has different Income Tax rates. If you moved during the tax year or have homes in different UK countries, check your tax status.
Start with your annual salary before tax. Leave bonus at £0 if you do not receive one. The figures shown initially are an example—replace them with your own.
02Pension 5% included · tap to check or change
Enter your contribution from your pension statement. Set it to 0% if you do not contribute. Check the method with payroll if unsure. Employer contributions are optional and do not reduce your pay.
What do these pension methods mean?
- Salary sacrifice: you give up part of your salary and your employer pays it into your pension.
- Net pay: your contribution is taken before Income Tax, but after National Insurance is worked out.
- Relief at source: your contribution comes from pay after tax. Your pension provider adds tax relief.
If you are unsure, ask payroll which method and salary basis they use. Choosing the wrong one changes the estimate.
Salary sacrifice reduces Income Tax, NI and relevant loan earnings. Your employer must keep pay above minimum wage.
03Student loans No undergraduate loan · tap to change
No student loan? Skip this section. Otherwise select the plan shown in your Student Loans Company account.
Which student loan plan am I on?
Use your funding body and course start date, not the location of your university. Check your Student Loans Company account if unsure.
- Plan 1: Student Finance England or Wales, course started before 1 September 2012; or Student Finance Northern Ireland.
- Plan 2: Student Finance England, undergraduate/PGCE course started 1 September 2012–31 July 2023; or Student Finance Wales, undergraduate/PGCE started from 1 September 2012. England’s Higher Education Short Course Loans also use Plan 2.
- Plan 4: Student Awards Agency Scotland funding, including postgraduate study.
- Plan 5: Student Finance England, undergraduate/PGCE course started from 1 August 2023. Advanced Learner Loans follow England’s relevant start-date rules.
- Postgraduate: England/Wales master’s or doctoral loan. Tick the separate box; it can apply alongside another plan.
Check your plan on GOV.UK. Older mortgage-style loans are not modelled here.
Your loan plan depends on your funding, not where you live now. For multiple undergraduate plans, use the lowest applicable threshold.
04Workplace shares & charity None included · optional
Leave these switched off unless you participate or want to explore joining. Switch on a scheme, then enter its monthly contribution.
SIPShare Incentive Plan
Buy partnership shares from gross pay.
SAYESave As You Earn
Save towards shares through your employer.
GAYEGive As You Earn
Give to charity through Payroll Giving.
View your take-home pay
Results update as you type. Review your inputs above, then see your breakdown below.
Your take-home pay & deductions
Edit details ↑ YOUR TAKE-HOME PAYLive estimate
£2,858.30per month, on average
Money left after tax and your selected deductions. Using England, Wales & Northern Ireland Income Tax rates.
Where your gross pay goes
Every slice is part of your pay. Employer contributions and provider tax relief are shown separately below.
Pay before deductions£3,750.00
Income Tax−£503.00
National Insurance−£201.20
Pension contribution−£187.50
Into your bank account£2,858.30
Annualised estimate · 2026/27
Actual payslips vary with pay dates, bonus timing, tax codes and payroll rounding.
Actual payslips vary with pay dates, bonus timing, tax codes and payroll rounding.
Pension & share savings
Your pension and share savings still count. Here is what is being allocated each month.
- Your gross pension
- £187.50
- Employer pension
- £0.00
- Total allocated
- £187.50
Separate from take-home cash. Excludes growth, SAYE bonuses, share-price changes and future withdrawal taxes. Employer contributions use the pension basis selected.
Your figures stay in this page.
Calculated in your browser. No account or salary upload.
LESS GUESSWORK. MORE CLARITY.
How workplace schemes affect your pay
Some reduce your tax. Some build your savings. Some do both. Your breakdown keeps them separate.
See our calculation assumptions ↗Savings from net pay
Every £1 you save reduces take-home by £1. The potential share purchase comes later, after the savings contract.
Give before Income Tax
Your donation can cost less than its face value. National Insurance and student loan earnings stay the same.
For employees across the UK during 2026/27, with standard Personal Allowance rules and NI category A. Choose Scotland if Scottish Income Tax applies to you. Custom tax codes, taxable benefits, multiple jobs and self-employment are not supported. Pension annual-allowance charges and minimum-wage eligibility are not calculated. Read all assumptions and sources.
Read your results as a pay package, not just a salary
Start with your annual basic salary and add any expected bonus separately. Check the pension contribution and method before comparing the result with your payslip: the example settings are not a statement of your employer’s arrangements.
Which figure can I spend?
“Into your bank account” is the estimate after your selected deductions. The pension and share savings panel is separate: it includes money allocated outside your bank account, including employer contributions where entered. Do not add those allocations to your monthly spending budget.
How should I compare two offers?
Use the same region, student loan plan and pension assumptions for both scenarios, then change the differences between the offers. Check both bank pay and employer-funded benefits. A higher pension contribution can reduce spendable pay while increasing retirement savings.
Why can my payslip differ?
This is an annualised estimate, not a payroll simulation. The monthly view divides annual totals by 12. A mid-year pay rise, an irregular bonus or a different tax code can make an individual payslip differ. Custom tax codes and multiple jobs are outside this calculator’s scope.
Check tax codes and payslip differences · Read calculation assumptions and official sources
Choose a calculator for your question
- Compare pension salary sacrifice with take-home pay
- Estimate how a bonus changes annual take-home pay
- Explore student loan deductions
- Find a gross salary for a target take-home amount
- Estimate salary plus employer costs
- Calculate pay using Scottish Income Tax assumptions
Found a result that looks wrong? Contact us with a made-up example, without sending payslips or personal identifiers.