UK pay and tax · 2026/27
Understand your pay. Plan your money.
Work out your UK take-home pay for the 2026/27 tax year, compare job offers side by side and plan a monthly budget. Free to use, with no account needed.
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- 2026/27 tax rules
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Worked example
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Take-home pay
£35,664.25a year
Monthly£2,972.02Weekly£685.85
- Income Tax£6,986.00
- National Insurance£2,994.40
- Pension (5%)£2,500.00
- Student loan (Plan 2)£1,855.35
- Total deductions£14,335.75
An estimate from the Salary Calculator engine, worked out in your browser.
How your UK take-home pay is worked out
Your gross salary is the amount you earn before deductions. Income Tax and National Insurance come off first, then any pension contribution and student loan repayment, leaving your take-home pay for the 2026/27 tax year.
Scotland uses different Income Tax bands from England, Wales and Northern Ireland, while National Insurance follows separate UK rules. Use the Salary Calculator to enter your own figures and see the breakdown.
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How it works
Three steps, and nothing leaves your device.
- Enter your figuresAdd your salary, tax region, pension and student loan details.
- See the breakdownIncome Tax, National Insurance and other deductions, by year, month and week.
- Plan your next stepCompare a job offer or build a budget from your take-home pay.
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