Take-Home Pay Calculator UK 2026/27
United Kingdom Uses United Kingdom PAYE, National Insurance, pension and student-loan rules.
Calculate UK salary after tax for 2026/27 with PAYE income tax, National Insurance, pension, student loans and gross-to-net or hourly pay.
Educational estimate only. Not a lending decision. Your numbers stay in this browser.
Results
How to read this: the verdict describes how much room your numbers leave, not a decision or an offer. Change any input to see how much the result moves.
When this calculator fits
Use this salary calculator UK employees can apply as a PAYE, net pay and gross-to-net calculator to estimate what reaches the bank from annual, monthly, weekly or hourly employment pay.
UK salary after tax and gross-to-net calculator
Use this UK take-home pay calculator when you want to turn gross employment pay into an estimated net salary. It works as a salary-after-tax calculator, PAYE calculator and gross-to-net salary calculator for one UK employment.
As a net pay calculator, take home salary calculator and salary take home calculator, it starts from the same governed calculation rather than giving different answers for different names. Enter the same employment details whichever phrase brought you here.
Enter annual, monthly, four-weekly, fortnightly, weekly, daily or hourly pay. The result expresses the same calculation at each cadence, so it can answer both “what is my take-home pay?” and “what will my take-home pay be each month?” without treating a conversion as a separate tax calculation.
The estimate covers England and Northern Ireland, Scotland and Wales. Your home nation matters because Scottish income-tax bands differ, while National Insurance and student-loan deductions follow their own rules.
When this salary calculator UK page is the right tool
This page is designed for employment income taxed through PAYE. It is useful for checking a salary, comparing two gross salaries, estimating a bonus, or solving backwards from desired take-home pay.
Use the take home calculator to calculate take home pay from a known gross salary. Use the reverse-solver input when you know the annual net amount you want and need an estimated gross salary instead.
It is not a self-employed tax calculator and does not estimate dividends, savings income, rental income, benefits reconciliation or a complete Self Assessment bill.
How PAYE, income tax and National Insurance affect net pay
The calculator annualises the gross pay you enter, applies the selected tax year, home nation and PAYE tax code, then calculates employee National Insurance using the applicable earnings period. Pension contributions, student-loan repayments, salary sacrifice and entered post-tax deductions are handled separately rather than folded into one unexplained percentage.
A tax-and-NI calculator therefore answers a different question from a simple wage converter. Two salaries with the same gross annual amount can produce different take-home pay when their tax code, pension arrangement, student-loan plan, pay frequency or home nation differs.
Gross to net calculator UK
Gross pay is employment pay before the modeled deductions. Net pay, or take-home pay, is what remains after PAYE income tax, employee National Insurance, pension contributions, student-loan deductions and any post-tax deductions entered. The results keep those lines separate so you can see why net pay changed.
What this page assumes
This calculator uses the standard fixed-rate repayment schedule, keeps full precision internally, and rounds currency only for display and export.
Each period applies interest, scheduled principal, then any allowed extra principal.
Hourly to salary calculator and hourly rate calculator
For an hourly-pay estimate, enter the hourly rate together with hours per week and working weeks per year. The calculator converts that work pattern to annual gross pay before applying UK tax rules, making it useful as an hourly pay calculator UK employees can compare with a quoted annual salary.
Used as an hourly wage calculator, the page shows the annualised gross amount and then applies PAYE rather than merely multiplying the rate. It also expresses the final annual result as an estimated hourly figure for comparison.
For monthly salary, enter the monthly gross amount directly. The result still shows annual, monthly, four-weekly, fortnightly, weekly, daily and hourly figures, which avoids confusing a pay-frequency conversion with a different tax result.
UK salary and PAYE terms
- Gross pay
- Employment pay before the modeled taxes and deductions.
- Net pay
- Estimated take-home pay after the modeled deductions.
- PAYE
- Pay As You Earn, the system employers use to deduct income tax from employment pay.
- National Insurance
- A separate employee payroll deduction calculated under Class 1 rules.
- Tax code
- The code used to determine the allowance and PAYE treatment applied to this employment.
Common salary-calculator mistakes
- Using the wrong home nation. Choose where you live, because Scottish income-tax bands differ from those used for England, Wales and Northern Ireland.
- Treating net pay as the final tax bill. This is an employment-pay estimate, not a complete tax return or HMRC calculation.
- Ignoring pension method. Net pay, relief at source and salary sacrifice change tax and National Insurance in different ways.
- Confusing hourly conversion with payroll accuracy. Hours and weeks establish annual gross pay, but exact payroll can still differ because of timing, employer setup and year-to-date adjustments.
What this calculator leaves out: self-employment, dividends, savings, rental income, benefits reconciliation, the High Income Child Benefit Charge, directors, multiple-employment PAYE allocation and full Self Assessment are outside scope.
Frequently asked questions
How is UK take-home pay calculated?
Gross employment pay is reduced by PAYE income tax, employee National Insurance, pension contributions, student-loan repayments and any post-tax deductions entered. Tax depends on the selected tax year, home nation and tax code; National Insurance and student loans are assessed using their own thresholds.
What will my take-home pay be?
Enter your gross pay and frequency, tax year, home nation, tax code and relevant deductions. The result shows estimated take-home pay annually and at common UK pay frequencies.
Is net pay after tax?
Yes. Net pay is the amount remaining after the modeled PAYE income tax, employee National Insurance and any pension, student-loan or other deductions included in the calculation.
How much tax and NI will I pay in the UK?
The result separates estimated PAYE income tax from employee National Insurance. The amounts depend on gross pay, tax year, home nation, tax code, NI category, pay frequency and relevant deductions.
How much tax will I pay?
Use this tax calculator UK employment estimate to see PAYE income tax separately from National Insurance. As a UK income tax calculator it uses the selected tax year, home nation and tax code, but it is not a complete Self Assessment calculation.
Can I use this as an hourly pay calculator UK employees?
Yes. Choose hourly gross pay and enter hours per week and working weeks per year. The calculator annualises that pay before applying the selected UK tax rules.
Is this an HMRC tax calculator?
No. It uses governed UK tax rules and source records for an educational estimate, but it is not an HMRC service, payroll system, payslip or tax return.