UK take-home pay calculator 2026/27
Work out your take-home pay for the 2026/27 tax year (6 April 2026 to 5 April 2027) after income tax, National Insurance, pension and student loan repayments, for England, Wales, Northern Ireland or Scotland.
Income tax rates in United Kingdom
| Taxable income above the personal allowance (GBP) | Rate |
|---|---|
| Up to 37,700 | 20% |
| 37,700 – 125,140 | 40% |
| Above 125,140 | 45% |
In force from 6 April 2026. Each rate applies only to the part of income inside its band.
Deductions and reliefs
| Item | How it works |
|---|---|
| Personal allowance | £12,570, reduced by £1 for every £2 earned above £100,000. |
| National Insurance (Class 1) | 8% on earnings between £12,570 and £50,270, and 2% above that. |
| Student loans | 9% of earnings above your plan's threshold (6% for postgraduate loans). |
Good to know
- Bands for England, Wales and Northern Ireland: basic rate 20% to £50,270, higher rate 40% to £125,140, additional rate 45% above that.
- Scottish bands: starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%.
- Pension contributions are treated as made through a net pay arrangement: they reduce income tax but not National Insurance.
Common questions
What is the personal allowance for 2026/27?
The personal allowance is £12,570 and remains frozen. It is reduced by £1 for every £2 of income above £100,000, so it disappears at £125,140.
How much National Insurance do employees pay in 2026/27?
Employees pay 8% on earnings between £12,570 and £50,270 a year and 2% on earnings above that.
What are the Scottish income tax rates for 2026/27?
Scotland has six rates: starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%. National Insurance is the same across the UK.
Sources
This calculator gives an estimate for a resident employee with one job. Your payslip can differ because of allowances, benefits, other reliefs or how your employer runs payroll. It is not tax advice.