- Take-home pay£2,850.5976%
- Income Tax£510.7113.6%
- 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
Scottish 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
£2,850.59per month, on average
Money left after tax and your selected deductions. Using Scottish 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−£510.71
National Insurance−£201.20
Pension contribution−£187.50
Into your bank account£2,850.59
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.
What changes in Scotland?
Scottish Income Tax applies to your employment income if you are a Scottish taxpayer. It is generally based on where you live, not where your employer is based. National Insurance and student-loan repayment rules do not change just because you select Scotland.
For 2026/27, Scottish Income Tax has six rates: 19%, 20%, 21%, 42%, 45% and 48%. You only pay each rate on the part of your taxable income in that band, not on your whole salary.
Official Scottish Income Tax rates · Our assumptions and sources · Compare two pay scenarios