Take-home pay calculator.
Estimate your take-home pay from a gross annual salary, after Income Tax and employee National Insurance, at 2026/27 rates. This is an estimate for general guidance only, not personalised tax advice.
Enter your annual salary
Enter your salary, then click Calculate to see an estimate.
Rates used in this calculator (2026/27 tax year)
| Income Tax band | Rate |
|---|---|
| Up to £12,570 (personal allowance) | 0% |
| £12,571 – £50,270 | 20% |
| £50,271 – £125,140 | 40% |
| Over £125,140 | 45% |
| Employee National Insurance (Class 1) | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 – £50,270 | 8% |
| Over £50,270 | 2% |
Source: gov.uk rates pages, checked July 2026. Estimates for general guidance only.
Common questions
How is take-home pay calculated?
From your gross salary, we deduct Income Tax (0% up to the personal allowance, then 20%, 40% and 45%) and employee National Insurance (8% between the thresholds, then 2%). What's left is your take-home pay.
Does this include pension or student loan?
No. This is a simple estimate assuming a standard tax code with no pension contributions, student loan repayments or other deductions. Those would reduce your take-home further.
Is this right for company directors?
Not exactly. Directors often take a mix of salary and dividends, which is taxed differently. Our salary and dividend calculator is more suitable for extracting money from a limited company.
Why is my personal allowance lower over £100,000?
The personal allowance is reduced by £1 for every £2 you earn over £100,000, disappearing entirely at £125,140. The calculator accounts for this automatically.
