UK Salary & Take-Home Pay Calculator
Calculate your estimated UK take-home pay and the value of your time in 2026/27.
Your income
England, Wales and Northern Ireland share rates; Scotland has its own bands. Select your tax-residence nation.
2026/27: one job, below State Pension age, 12 equal monthly payments. £12,570 Personal Allowance with high-income taper. Other income, benefits, custom tax codes, Marriage Allowance, Child Benefit charge, pension allowance charges and extra reliefs are excluded.
2026/27: one job, below State Pension age, 12 equal monthly payments. £12,570 Personal Allowance with high-income taper. Other income, benefits, custom tax codes, Marriage Allowance, Child Benefit charge, pension allowance charges and extra reliefs are excluded. Inputs are calculated in your browser and are not saved on a server.
Estimated monthly take-home · annual calculation ÷ 12
2026/27 annual income tax ÷ 12 and monthly NI category A. Loan repayments are rounded down to whole pounds each month. Monthly-average estimate; job changes, bonuses, PAYE tax-code adjustments and paycheck income-tax rounding are not reproduced.
Monthly deductions
Deduction details
2026/27: one job, below State Pension age, 12 equal monthly payments. £12,570 Personal Allowance with high-income taper. Other income, benefits, custom tax codes, Marriage Allowance, Child Benefit charge, pension allowance charges and extra reliefs are excluded.
2026/27 annual income tax ÷ 12 and monthly NI category A. Loan repayments are rounded down to whole pounds each month. Monthly-average estimate; job changes, bonuses, PAYE tax-code adjustments and paycheck income-tax rounding are not reproduced.
Enter agreed pension salary sacrifice only. Reduces tax/NI/loan earnings and cash take-home. Ordinary net-pay and relief-at-source pensions are unsupported. Pension allowance and minimum-wage eligibility are not assessed.
HMRC 2026/27 · Scottish Income Tax · Personal Allowance · Salary sacrifice
What is your time worth?
Working hours change the value of your time, even with the same salary.
Value of one hour
£19.00Per hour workedValue of one week
£760.00Annual income ÷ 52 weeksValue of one month
£3,293.34Annual income ÷ 12 monthsValue of one year
£39,520.12After-tax incomeHourly value = annual income ÷ (weekly work hours × 52). An income/time indicator, not a statutory hourly wage or minimum-wage test.
Calculation method and scope
2026/27 annual income tax ÷ 12 and monthly NI category A. Loan repayments are rounded down to whole pounds each month. Monthly-average estimate; job changes, bonuses, PAYE tax-code adjustments and paycheck income-tax rounding are not reproduced.
2026/27: one job, below State Pension age, 12 equal monthly payments. £12,570 Personal Allowance with high-income taper. Other income, benefits, custom tax codes, Marriage Allowance, Child Benefit charge, pension allowance charges and extra reliefs are excluded.
HMRC 2026/27 · Scottish Income Tax · Personal Allowance · Salary sacrifice
Salary simulation
Move the slider to explore take-home pay and tax brackets.
Salary +£10,000.00 → monthly take-home changes by £486.49
Background bands show national income-tax brackets, not the effective or total incremental deduction rate. Insurance grades and deduction changes may cause steps. The slider does not change your salary input.
The graph uses the selected country’s calculation method and supported scope.
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Frequently asked questions
2026/27: one job, below State Pension age, 12 equal monthly payments. £12,570 Personal Allowance with high-income taper. Other income, benefits, custom tax codes, Marriage Allowance, Child Benefit charge, pension allowance charges and extra reliefs are excluded.
2026/27 annual income tax ÷ 12 and monthly NI category A. Loan repayments are rounded down to whole pounds each month. Monthly-average estimate; job changes, bonuses, PAYE tax-code adjustments and paycheck income-tax rounding are not reproduced.
Inputs are calculated in your browser and are not saved on a server.