Estimate your 2026/27 take-home pay from one UK job: Income Tax, National Insurance, pension and student loan, per year, month and week.
Estimate for tax year 2026/27 only, not tax advice. HMRC assessments prevail. Read the disclaimer.
The figure is the annual Income Tax, National Insurance and loan liability on one job paid evenly through the year, on tax code 1257L and National Insurance category A.
Payroll works out National Insurance and student loans for each pay period. Those amounts can differ by pennies or a few pounds, because this page does not use period thresholds.
Net pay arrangement: taxable pay = gross salary − pension. National Insurance and student loans stay on gross salary.
Salary sacrifice: taxable pay, National Insurance and student loans all use gross salary − pension.
Personal Allowance = max(0, £12,570 − half of adjusted net income over £100,000). The half is exact, before each line is rounded to the penny.
England, Wales and Northern Ireland: 20% on taxable income to £37,700, 40% to £125,140, then 45%.
Scotland: 19% to £3,967, 20% to £16,956, 21% to £31,092, 42% to £62,430, 45% to £125,140, then 48%.
Class 1 National Insurance, category A: 8% between £12,570 and £50,270, then 2%.
A student loan is 9% of pay above the plan threshold. A Postgraduate Loan is 6% of pay above £21,000.
Monthly take-home = annual take-home ÷ 12. Weekly take-home = annual take-home ÷ 52.
Your Personal Allowance falls by £1 for every £2 of income above £100,000. Each extra £1 is taxed at 40% and also turns 50p of allowance into taxable income, so the effective rate is 60% (67.5% in Scotland). National Insurance adds 2%. Pension contributions reduce adjusted net income and can restore the allowance.
Scotland has six bands for 2026/27: 19%, 20%, 21%, 42%, 45% and 48%. People earning less than about £33,500 pay slightly less Income Tax than in the rest of the UK; higher earners pay more. National Insurance and student loans are the same everywhere.
Both give Income Tax relief at your top rate. Salary sacrifice also lowers the pay that National Insurance and student loan repayments are worked out on, so take-home pay is a little higher for the same contribution. Relief at source schemes are not covered in this version.
Check your Student Loans Company online account or the gov.uk page on repayment plans. Plan 4 is for loans from Scotland. A Postgraduate Loan is repaid at 6% alongside any undergraduate plan.
Payroll works out National Insurance and student loans for each pay period, your tax code may not be 1257L, and bonuses or benefits in kind change the figures. If you are over State Pension age you pay no employee National Insurance. This page shows an even annual estimate.
No. Marriage Allowance, Blind Person's Allowance and benefits in kind are left out of this version, so your tax may be lower or higher than shown.
Tax year 2026/27. Sources: HMRC rates and thresholds for employers, the Scottish Government and gov.uk student loan guidance. Full list below.
Accessed 2026-10-05.