Take-Home Pay Calculator 2026/27
Last updated: March 2026 — Rates for the 2026/27 tax year
Enter your annual salary to see exactly what you take home after income tax, National Insurance, student loan repayments, and pension contributions. Supports both England/Wales and Scottish tax bands.
Frequently Asked Questions
How is take-home pay calculated?▾
Your take-home pay is your gross salary minus income tax, National Insurance contributions, student loan repayments, and pension contributions. Our calculator uses the official HMRC rates for the 2026/27 tax year.
What is the personal allowance for 2026/27?▾
The personal allowance is £12,570 — the amount you can earn before paying income tax. It is tapered by £1 for every £2 earned above £100,000.
Does Scotland have different tax rates?▾
Yes. Scotland has its own income tax bands including starter (19%), basic (20%), intermediate (21%), higher (42%), advanced (45%), and top (48%) rates. Our calculator supports both Scottish and rUK tax bands.