Take Home Pay Calculator
Take home pay (also called net pay) is the amount of money you receive after all mandatory deductions taken from your salary. In the UK, this typically includes income tax, National Insurance, and may also include pension contributions and student loan repayments.
Last updated: April 2026 · Reflects 2026/27 tax year
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Understanding Your Deductions
Income Tax
UK income tax is charged on earnings above your Personal Allowance (£12,570 for 2026/27, frozen until April 2031). Tax rates range from 20% (basic rate) to 45% (additional rate). Scottish taxpayers have different rates and bands.
National Insurance
National Insurance contributions fund state benefits including the State Pension and NHS. For 2026/27, employees pay 8% on earnings between £12,570 and £50,270, then 2% above that threshold.
Pension Contributions
Workplace pension contributions reduce your taxable income, providing tax relief at your marginal rate. Auto-enrolment requires minimum 5% employee and 3% employer contributions. Salary sacrifice pensions offer additional NI savings.
Student Loans
Student loan repayments are deducted at 9% of earnings above your plan threshold. Plan 1 threshold is £26,065, Plan 2 is £28,470, and Plan 5 (post-2023) is £25,000. Postgraduate loans are repaid at 6% above £21,000.
How This UK Salary Calculator Works
This calculator estimates your take home pay by applying current UK tax rules to your gross salary. It uses the following steps:
- Apply the UK Personal Allowance
- Calculate income tax based on tax bands
- Deduct National Insurance contributions
- Subtract pension contributions (if selected)
- Subtract student loan repayments (if applicable)
Your results are shown as annual and monthly figures.
Take Home Pay FAQs
Is take home pay the same as net pay?
Yes, take home pay and net pay generally mean the same thing in the UK.
How accurate is this calculator?
This calculator provides an estimate based on current tax rules. Actual take home pay may vary slightly depending on your employer and circumstances.
Does this include pension contributions?
Yes, you can include pension contributions and choose a contribution percentage.
Is this calculator updated every year?
Yes, this calculator is updated for the latest UK tax year.
Disclaimer
This calculator provides an estimated tax breakdown based on standard assumptions and is intended for general information purposes only. Results may vary depending on individual circumstances and tax codes, and should not be relied upon as financial advice. For accurate and official information, please refer to your tax code or contact HMRC directly.