Income Tax
Income Tax is progressive: taxable income is split across bands rather than all being charged at one rate.
See your estimated take-home pay.
Estimate your annual, monthly, weekly and hourly take-home pay after Income Tax, National Insurance, pension and student loan deductions using the 2026/27 UK rules.
Browser-based calculation
Your figures are processed in your browser. WorthChex does not require an account or bank details to use the calculator.
Your salary
Use your gross annual salary before deductions.
Pension
Optional. Choose salary sacrifice, a net pay arrangement or relief at source.
Not sure which method you have? Check your payslip or ask your employer. Relief at source deducts 80% of the contribution from your pay and your provider claims the 20% tax relief. Employer contributions are not deducted from your pay.
Student loan
2026/27 thresholds are modelled from published HMRC deduction tables.
2026/27 ASSUMPTIONS
How this calculation works
The standard Personal Allowance is £12,570. In England, Wales and Northern Ireland the main rates are 20%, 40% and 45%; Scotland has different bands and rates. Employee Class 1 National Insurance for most employees is 8% between £12,570 and £50,270, then 2% above £50,270.
This tool is deliberately an estimate rather than a payroll replica. It does not model every tax-code, benefit, pay-period or pension-relief scenario.
Sources: Income Tax rates and allowances · National Insurance · Student Loan tables.
UNDERSTANDING PAYROLL DEDUCTIONS
Two people on the same salary can receive different net pay.
Take-home pay is affected by tax region and deductions. The calculator separates the major components so you can see why gross annual salary does not translate into one universal monthly amount.
National Insurance
Employee NI is calculated separately from Income Tax and uses its own thresholds and rates.
Pension & loans
Pension arrangements, student loans and postgraduate loans can reduce the amount paid into your bank account.
2026/27 rules
The standard Personal Allowance is £12,570. For England, Wales and Northern Ireland, the main Income Tax rates are 20%, 40% and 45%; Scotland has different bands. Most category A employees pay 8% employee National Insurance between the published main thresholds and 2% above the upper threshold.
Current 2026/27 figures are based on the GOV.UK Income Tax and National Insurance guidance. Income Tax rates → · National Insurance →
REVIEWED SEPTEMBER 2026
Why your payslip can still differ from the estimate.
The calculator cannot reproduce every payroll circumstance. Tax codes, benefits, pension methods, pay frequency, multiple jobs and other deductions can change the actual amount. Use an actual payslip as the final reference for your own pay.