Your details

Enter a salary — everything recalculates instantly.

Tax year Tax year Income Tax & National Insurance thresholds are frozen across these years; Scottish bands and student-loan thresholds differ by year.

Income

Salary / wage Per

Annual bonus (optional) Added to your annual gross and taxed the same way.

Tax region

England, Wales & Northern Ireland Scotland (Scottish rates & bands)

Pension

Contribution % of gross salary Scheme type

Other salary sacrifice

Amount £ per year, before tax & NI Type

Sacrificed pay is exchanged for a benefit, reducing the salary subject to Income Tax, National Insurance and student-loan repayments. Car/EV schemes may create a taxable Benefit-in-Kind that isn't modelled here.

Student & postgraduate loans Undergraduate plan Postgraduate loan (6% above £21,000)

Adjustments & allowances

Over State Pension age (no employee National Insurance) I receive Marriage Allowance (+£252 tax reduction) I transfer Marriage Allowance (−£1,260 personal allowance)

Extra tax-free allowance (optional) e.g. Blind Person's Allowance — added on top of your Personal Allowance. Tax code override (advanced, optional) Leave blank to use the standard £12,570 allowance (with income taper). Overrides the allowance options above.

Take-home pay

£0 / month

£0 per year · £0 per week

Where your money goes
Item	Year	Month	Week	Day	Hour

Income tax band breakdown

Effective tax

Marginal rate

About this calculator

Estimates PAYE take-home pay for the 2026/27 tax year using published HMRC rates. It covers income tax (rUK & Scotland), employee National Insurance, student & postgraduate loans, pensions, salary sacrifice, Marriage Allowance and tax-code overrides.

This calculator is for illustration only and does not constitute financial, tax or accounting advice. Figures are estimates based on published HMRC rates and thresholds; your actual take-home pay may differ due to individual circumstances. Consider speaking to a qualified accountant or tax adviser.