Take-home pay
calculator
Your gross salary is fiction. This is what hits your bank after HMRC, NI, your pension and the Student Loans Company are done with it.
All 5 student loan plans
Plans 1, 2, 4, 5 and Postgraduate — including the new Plan 5 introduced August 2023.
Salary sacrifice toggle
See the NI bonus salary sacrifice gives you on top of income-tax relief.
Effective & marginal rate
Find out what % of your raise you’d actually keep on the next £1.
Take-home pay calculator
See exactly what hits your bank after income tax, National Insurance, pension and student loan.
% of gross salary, employee side.
2026/27 tax bands
Common questions
What's the personal allowance for 2026/27?
£12,570 — same as it’s been since April 2021. The freeze runs to at least April 2031, which means more of every pay rise gets taxed each year. See our fiscal drag calculator for the full picture.
What are the 2026/27 income tax bands?
Personal allowance: £12,570. Basic rate (20%): £12,571–£50,270. Higher rate (40%): £50,271–£125,140. Additional rate (45%): over £125,140. Above £100,000 the personal allowance tapers, creating a 60% effective rate between £100k and £125,140.
What's the difference between salary sacrifice and relief at source?
Salary sacrifice reduces your gross pay before tax AND National Insurance — so you save income tax (20–45%) plus NI (8% or 2%). Relief at source comes out of your net pay; HMRC tops it back up by 20%, with higher- and additional-rate taxpayers claiming the rest via Self Assessment. Salary sacrifice is almost always the better deal if your employer offers it.
How is National Insurance calculated in 2026/27?
Employee NI is 8% on earnings between £12,570 and £50,270, and 2% above £50,270. The main rate dropped from 12% to 10% in January 2024, then 10% to 8% in April 2024 — though the threshold freeze means more of your income enters the NI net.
Why is my actual payslip different from this calculator?
Because of your tax code. This tool assumes the standard 1257L code. If you’re on an emergency code (BR, OT, M1) or one that’s wrong, you may be paying too much. Check your tax code in our tax code checker — wrong codes are one of the most common reasons people are owed a refund.
Payslip not adding up?
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