UK Pay & TaxCalculator
UK take-home pay calculator 2026-27
DaddyNoteAdded 14 Oct 2026Sources checked 14 Oct 2026
Enter your yearly salary to see income tax, National Insurance and any student loan repayment for the tax year that runs from 6 April 2026 to 5 April 2027.
Tax year 2026 to 2027
Your details
Standard tax code (1257L), one job, no pension deductions. Enter pay before any deductions.
Take-home pay for 2026-27, per year
£28,720
About £2,393 a month · £552 a week
| Personal Allowance | £12,570 |
|---|---|
| Basic rate | £4,486.00 |
| Income tax | £4,486.00 |
| National Insurance | £1,794.40 |
| Total deductions | £6,280.40 |
Scotland or the rest of the UK
Scottish Income Tax depends on where you live, not where you work. It covers wages and pensions; National Insurance and student loan repayments are the same across the UK. Wales currently uses the same rates as England.
The £100,000 to £125,140 range
In this range every £2 of extra income removes £1 of Personal Allowance. In England, Wales and Northern Ireland that adds 20p of tax to the 40p you already pay on each extra pound, so the marginal rate is 60% before National Insurance. Try £100,000 and £125,140 in the box to see it.
Which student loan plan you are on
Each plan has its own threshold, and the plan you are on depends on your course. If you are not sure which one you have, GOV.UK’s student loan repayment pages explain how to tell. Pick it here only once you know, because the thresholds differ by up to £8,795.
How it is calculated
The bands below are bands of taxable income, after the Personal Allowance, as HMRC lists them for employers.
| Item | Rule used | Source |
|---|---|---|
| Personal Allowance | £12,570. Goes down by £1 for every £2 of adjusted net income above £100,000, reaching zero at £125,140. | GOV.UK — Income Tax rates and Personal Allowances |
| England, Wales, NI | 20% up to £37,700 · 40% from £37,701 to £125,140 · 45% above £125,140. | GOV.UK — Rates and thresholds for employers 2026 to 2027 |
| Scotland | 19% up to £3,967 · 20% to £16,956 · 21% to £31,092 · 42% to £62,430 · 45% to £125,140 · 48% above.Same as £12,571–£16,537 starter up to over £125,140 top on GOV.UK’s Scottish table, which adds the £12,570 allowance. | GOV.UK — Scottish Income Tax |
| National Insurance | Category A employee: 8% between £12,570 and £50,270 a year, 2% above £50,270.Weekly £242 / £967, monthly £1,048 / £4,189. | GOV.UK — Rates and thresholds for employers 2026 to 2027 |
| Student loans | 9% over the threshold: Plan 1 £26,900 · Plan 2 £29,385 · Plan 4 £33,795 · Plan 5 £25,000. Postgraduate Loan 6% over £21,000.Both are taken if you have a Postgraduate Loan and another plan. | GOV.UK — Rates and thresholds for employers 2026 to 2027 |
This calculator gives general information from published rules. It is not financial, tax or legal advice. Nothing you type is stored.