2026/27 rates

UK take-home pay calculator

What actually reaches your account after income tax and National Insurance. Updates as you type, with every assumption stated.

Annual salary

Salary sacrifice pension, per year

Sacrifice saves income tax and National Insurance. A personal pension saves income tax only, so leave this empty if yours is not a sacrifice scheme.

Take-home, England, Wales and Northern Ireland

£45,357 per year

£3,780 a month · £872 a week

Gross salary

£60,000

Income tax

- £11,432

National Insurance

- £3,211

Effective rate

24.4%

Your next pound

42%

Personal allowance

£12,570

Scotland is not covered, and neither are student loans. Scottish income tax runs on its own six bands. If you have a student loan, expect a further 9% above your plan threshold.

What this assumes

England, Wales and Northern Ireland rates. Scotland sets its own bands and this does not cover them. National Insurance is the same across the UK.
2026/27 thresholds, on the standard 1257L tax code with no adjustments for benefits in kind, underpayments or other allowances.
Income tax at 20% on the first £37,700 of taxable income, 40% to £125,140 of gross pay, then 45%. The allowance and basic rate limit are frozen until April 2028.
Class 1 employee National Insurance at 8% between £12,570 and £50,270, then 2%. Employer contributions are not shown, since they do not come out of your pay.
Student loan and postgraduate loan repayments are not deducted, and for most graduates they are a further 9% above the plan threshold, with 6% on top for a postgraduate loan.
Pension figures assume salary sacrifice, which saves both tax and National Insurance. A personal or relief-at-source scheme saves income tax only.
From April 2029 the National Insurance saving on salary sacrifice is capped at £2,000 a year. That is outside this tax year, so it is not applied here, but it will reduce the benefit of sacrificing more than that.
A full tax year on this salary, taxed cumulatively. Changing jobs part way through can leave you temporarily over or under paid on tax until the codes catch up.
Salary income only. No dividends, savings interest, or self-employed profit.

An estimate for comparing offers, not tax advice. A non-standard tax code or benefits in kind will move the figure.

Rates from HMRC rates and thresholds, 2026/27 tax year, last checked 11 August 2026.

Questions

Frequently asked questions

The parts of a UK payslip that most often catch people out.

Why is my rate 62% between £100,000 and £125,140?

Because two things happen to the same pound. It is taxed at 40%, and it also withdraws 50p of your personal allowance, which is then taxed at 40% as well. That is 60% income tax, plus 2% National Insurance. The band ends once the allowance is gone at £125,140 and the rate drops back to 47%.

Does this cover Scotland?

No. Scotland sets its own income tax bands, six of them, with different thresholds and rates from the rest of the UK. Applying these figures to a Scottish salary would be wrong by a meaningful amount, so the calculator does not pretend to. National Insurance is the same everywhere in the UK.

What is the difference between salary sacrifice and a normal pension?

Salary sacrifice reduces your gross pay before tax and National Insurance are worked out, so you save both. A personal or relief-at-source pension saves income tax only. Sacrifice is also the more effective way to escape the allowance taper, because it lowers the income the taper is assessed on.

Why is my student loan not deducted?

Because the plan you are on changes the threshold and there are five of them, plus a separate postgraduate loan. Most graduates should expect a further 9% on income above their plan threshold, and 6% on top of that for a postgraduate loan.

Is this good enough to compare two offers?

Yes, if both are in England, Wales or Northern Ireland and neither has unusual benefits in kind. It is not tax advice, and a non-standard tax code will move the figure.

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