2 tools
Salary & Pay
Pay arrives in different units (hourly, weekly, annual), and the figure that matters is what lands in your account. These tools convert between them and, where the rules are verified, estimate deductions.
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UK Take-Home Pay Calculator
See what actually reaches your account after Income Tax, National Insurance, pension and student loan, with every band shown, for the 2026/27 tax year. Covers England, Wales and Northern Ireland.
This works out your net pay (what lands in your account) from a gross annual salary, for the 2026/27 UK tax year. It applies the Personal Allowance, the three Income Tax bands, employee National Insurance, and any pension or student loan repayment, then shows each deduction separately with the band it came from. The figures are for England, Wales and Northern Ireland. Scotland sets its own Income Tax bands, so a Scottish salary will not match this page.
Open the uk take-home pay calculatorAlso in salary & pay
Each one answers a different question, not a rephrasing of the same one.
Worked out for one salary
The same arithmetic, already run for the salaries people look up by name.
- £30,000 after tax What does £30,000 leave after tax, and why is a student loan repayment so small at this salary?
- £35,000 after tax What does £35,000 leave after tax, and how far is it from the higher-rate threshold?
- £42,000 after tax How much room is left below the 40% band on £42,000, and what happens when a rise crosses it?
- £50,000 after tax Why is £50,000 the most consequential salary in the UK system, and what does the next £1 cost?
- £70,000 after tax What does £70,000 leave after higher-rate tax, and what does it mean for Child Benefit?
- £80,000 after tax What does £80,000 leave, and how close is it to the 62% band that starts at £100,000?
Answered here
Questions these tools actually answer.
Each links to the tool that answers it, where the full explanation sits beside the calculation.
- Does this work for Scotland? UK Take-Home Pay Calculator
- Why is my take-home pay lower than this says? UK Take-Home Pay Calculator
- Why does a pension contribution not reduce my National Insurance? UK Take-Home Pay Calculator
- What is the 60% tax trap between £100,000 and £125,140? UK Take-Home Pay Calculator
- Do I repay an undergraduate and a postgraduate loan at the same time? UK Take-Home Pay Calculator
- Is National Insurance the same for everyone? UK Take-Home Pay Calculator