Take-Home Pay Calculator
See what actually lands in your bank after tax, NI, pension and student loan — for England, Wales, NI or Scotland.
Tax region
Pension
Student loan
For relief-at-source pensions, take-home is shown before any additional relief claim or tax-code adjustment, including restoration of personal allowance. The pension percentage is the gross contribution; 80% is paid from net pay. This is an annual estimate, not a payslip calculation.
How this is worked out
Salary sacrifice reduces the salary HMRC sees, so income tax and NI both drop. Relief at source is paid from your net pay; HMRC tops it up by 25% inside the pension (basic-rate relief is automatic; higher-rate is claimed via Self Assessment).
Bands for 2026/27: personal allowance £12,570 (tapered from £100k); for England/Wales/NI 20% to £50,270, 40% to £125,140, 45% above. Scotland uses six bands from 19% to 48%. Employee NI is 8% between £12,570–£50,270 and 2% above.
Student loan repayments are 9% of income above the plan threshold (6% for Postgrad). Plan 5 is for students starting after Aug 2023.
Before using this estimate
Annual standard-allowance estimate. Actual payroll depends on your tax code, pay pattern and reliefs.
Check the source guidanceRelated guides
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