UK Take-Home Pay Calculator (2026/27)
The combined effect of income tax and National Insurance on a UK salary. England/Wales/NI 2026/27 rates.
Updated May 2026, using HMRC 2026/27 rates and current ONS / gov.uk figures.
This calculator combines income tax (20%/40%/45%) with Class 1 employee NIC (8%/2%) to give your annual and monthly take-home, plus the share of gross salary you actually keep. Student loans and pension contributions are not modelled here — reduce your input salary if you make pension contributions via salary sacrifice.
How it works. Income tax + Class 1 employee NIC, 2026/27. PA tapers above £100k. No student loan or pension. Always check your payslip and tax code.
Worked examples
£30,000 → £24,895/yr (£2,074/mo) — keep 83.0%
£50,000 → £37,950/yr (£3,162/mo) — keep 75.9%
£75,000 → £53,058/yr (£4,422/mo) — keep 70.7%
£100,000 → £67,558/yr (£5,630/mo) — keep 67.6%
£150,000 → £91,734/yr (£7,644/mo) — keep 61.2%
Sources:
HMRC Income Tax rates 2026/27 · HMRC NI rates 2026/27
· retrieved 2026-05-12.
Frequently asked questions
Why is the percentage I keep lower than 100% − (tax rate + NI rate)?
Because tax and NI use tiered rates. Your top rate applies only to the slice in the highest band. The effective rate, and therefore the percentage you keep, sits between the basic and top rates.
How does student loan repayment affect this?
Plan 1: 9% on income above £24,990. Plan 2: 9% on income above £27,295. Plan 5 (post-Aug 2023): 9% above £25,000. Postgraduate: 6% above £21,000. The calculator above doesn't model these — subtract the relevant percentage of qualifying income to estimate.
What about pension contributions?
Salary sacrifice reduces gross pay before tax and NI — reduce your input figure by the gross sacrifice. Relief-at-source contributions (e.g. personal pensions) don't change PAYE but you may reclaim higher-rate relief via self-assessment.
Does this include the marriage allowance?
No. If your spouse earns under £12,570 they can transfer £1,260 of personal allowance to you (saving £252 if you're a basic-rate payer). Apply via gov.uk.
Are tips and overtime included?
PAYE tax and NI apply to all earned income through payroll, including overtime, bonuses, and most tips. Cash-only tips paid directly are still taxable but typically declared via self-assessment.