Take-Home Pay Calculator
See what actually lands in your bank account after Income Tax, National Insurance, pension and student loan, or work backwards from the take-home you want.
Your details
- Take-home 82%
- Income Tax 13%
- NI 5%
See take-home for every pay period
- Yearly
- £28,719.60
- Monthly
- £2,393.30
- 4-weekly
- £2,209.20
- Fortnightly
- £1,104.60
- Weekly
- £552.30
- Daily (5-day week)
- £110.46
See what you cost your employer
- Your pay
- £2,916.67
- Employer National Insurance (15%)
- £375.00
- Total cost to employer
- £3,291.67
Income Tax: Basic rate 20% on £22,430.
Estimate for guidance. Payroll works pay period by pay period, so a bonus month or a mid-year code change can look different.
How your take-home pay is worked out
Your take-home pay (net pay) is your gross salary minus everything deducted before it reaches you. For most UK employees that means four things:
- Pension. Workplace pension contributions usually come out first, which reduces the income you pay tax on.
- Income Tax. The first £12,570 is tax-free (your personal allowance). The rest is taxed in bands.
- National Insurance. Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above.
- Student loan. A percentage of earnings over your plan's threshold, if you have one.
Income Tax bands 2026/27 (England, Wales and NI)
| Band | Income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
These thresholds are frozen, so as wages rise more of your income is pulled into higher bands. This is often called fiscal drag.
Worked example: £45,000 salary with a 5% auto-enrolment pension
Auto-enrolment pensions are usually worked out on qualifying earnings, the part of your pay between £6,240 and £50,270. 5% of (£45,000 − £6,240) is £1,938, which comes off before tax. After the £12,570 allowance, £30,492 is taxed at 20%, giving £6,098.40 Income Tax. National Insurance is 8% of (£45,000 − £12,570) = £2,594.40. Take-home pay is £34,369.20 a year, or £2,864.10 a month.
If your employer takes the pension from your whole salary instead, choose “Workplace, whole salary” under Pension in the calculator.
The £100,000 tax trap
Between £100,000 and £125,140 you lose £1 of personal allowance for every £2 you earn. That creates an effective 60% Income Tax rate in that range. Paying more into your pension can bring your income back under £100,000 and restore the allowance.
This calculator gives an estimate for guidance only. Add your own tax code, bonus, overtime, benefits in kind and other extras for a closer match to your payslip. Check your exact figures with HMRC or your payroll team.
Sources
Figures are checked against these official sources. Last reviewed 7 November 2026.
Common questions
How much tax will I pay on £30,000 in 2026/27?
On a £30,000 salary in England, Wales or Northern Ireland with no pension or student loan, you pay about £3,486 Income Tax and £1,394 National Insurance, leaving roughly £25,120 a year or £2,093 a month.
What is the personal allowance for 2026/27?
The personal allowance is £12,570. It is reduced by £1 for every £2 of income over £100,000, so it disappears completely at £125,140.
Why is my payslip slightly different from this calculator?
Payroll works out tax pay period by pay period using your tax code, and may include things like benefits in kind, overtime, bonuses or a different pension method. This calculator assumes the standard 1257L tax code and a steady salary across the year.
Does salary sacrifice save National Insurance?
Yes. With salary sacrifice your pension comes out before both tax and National Insurance, and it also lowers your pay for student loan repayments. A net pay arrangement only saves Income Tax.
How do I work out the salary I need for a certain take-home pay?
Choose “Take-home I want” at the top of the calculator and enter the monthly amount you want in your bank account. It works backwards to the yearly salary you would need, including any pension, student loan or other options you have added.
How are Scottish tax rates different?
Scotland has six bands for 2026/27: starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45% and top 48%. National Insurance is the same across the UK.
How much student loan will I repay?
You repay 9% of income above your plan threshold (Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000) and 6% above £21,000 for a postgraduate loan. Earn below the threshold and you repay nothing.