UK Take Home Pay Calculator 2026
Find out exactly how much you take home after income tax, National Insurance, pension, and student loan deductions. Updated for 2026–2027.
Income Details
Your Salary
Enter your income to get started
Your estimated take-home pay, tax, and NI will appear here instantly.
Example estimates · 2026–2027
Nurse, NHS Band 5
Gross £28,407
£23,973/yr
take-home
Software Engineer
Gross £55,000
£42,457/yr
take-home
Teacher (Main Scale)
Gross £31,650
£26,308/yr
take-home
How This Calculator Works
This calculator deducts all major statutory deductions from your gross pay: income tax (using HMRC bands), Class 1 National Insurance, workplace pension (if entered), and student loan repayments (based on the plan you select).
The result is your estimated net (take-home) pay — the amount deposited into your account each month.
Example Calculation
Example: £50,000/year · England · 2026–2027
Income Tax
£7,486
National Insurance
£2,994
Take-Home (Year)
£39,520
Take-Home (Month)
£3,293
Standard tax code. No pension or student loan deductions in this example.
Frequently Asked Questions
What is take-home pay?
Take-home pay is the amount you actually receive in your bank account after all statutory deductions — income tax, National Insurance, pension contributions, and student loan repayments — have been removed from your gross salary.
How can I increase my take-home pay?
Increasing pension contributions via salary sacrifice reduces your taxable income, which lowers both income tax and NI. Claiming all eligible tax reliefs also helps. Speak to a financial adviser for personal advice.
Why does my payslip differ from this calculator?
Payslips reflect your actual tax code, employer pension scheme, benefits in kind, and other personal arrangements. This calculator uses standard assumptions and a basic tax code.
Is student loan repayment taken before or after tax?
Student loan repayments are taken after income tax and NI are calculated. They are based on your gross income above the relevant plan threshold.