UK Take-Home Pay Calculator
Estimate your take-home pay after Income Tax and National Insurance. Enter your salary and pay frequency to see an estimated breakdown of your gross pay, deductions and net income.
How to Use
1. Enter Your Salary
Enter your gross salary before tax and other deductions.
2. Select Your Pay Frequency
Choose how your salary is paid, such as annually, monthly, weekly or hourly.
3. Enter Any Additional Details
Add any relevant information requested by the calculator so it can estimate your deductions more accurately.
4. Calculate Your Take-Home Pay
Click the button to see your estimated Income Tax, National Insurance and take-home pay.
UK Take-Home Pay Calculator
Enter your salary details below to estimate your Income Tax, National Insurance and take-home pay.
What Do These Results Mean?
Gross Annual Pay
The total amount you earn in a year before Income Tax, National Insurance and other deductions.
Income Tax
The estimated amount of Income Tax deducted based on your annual income and the tax rules for your selected UK region.
National Insurance
The estimated employee National Insurance contribution based on your annual earnings.
Annual Take-Home Pay
The estimated amount you keep over the year after Income Tax and National Insurance have been deducted.
Monthly Take-Home Pay
Your estimated annual take-home pay divided by 12.
Weekly Take-Home Pay
Your estimated annual take-home pay divided by 52.
Total Estimated Deductions
The combined estimated amount of Income Tax and National Insurance deducted from your gross annual pay.
Example Calculation
See how the UK Take-Home Pay calculation works with a simple example.
Example:
For someone living in England, Wales or Northern Ireland earning a gross annual salary of £40,000:
Gross Annual Pay: £40,000
Personal Allowance: £12,570
Taxable Income: £27,430
Estimated Income Tax: £5,486
Estimated National Insurance: £2,194.40
Estimated Annual Take-Home Pay: £32,319.60
Estimated Monthly Take-Home Pay: £2,693.30
Estimated Weekly Take-Home Pay: £621.53
This example is based on the 2026/27 tax year and assumes the standard Personal Allowance and standard employee National Insurance. Actual take-home pay may vary depending on your tax code, pension contributions, student loan repayments and other deductions.
Calculation Formula
Explanation
How UK Take-Home Pay Is Calculated
Your estimated take-home pay is calculated by subtracting Income Tax and employee National Insurance from your gross pay.
1. Calculate Annual Gross Pay
If you enter monthly, weekly or hourly pay, the calculator first converts it into an estimated annual income.
2. Apply the Personal Allowance
For the 2026/27 tax year, the standard Personal Allowance is £12,570. This allowance gradually reduces for income above £100,000 and can become zero for higher incomes.
3. Calculate Income Tax
Taxable income is calculated after the applicable Personal Allowance. The calculator then applies the relevant Income Tax bands for England, Wales and Northern Ireland, or the separate bands for Scotland.
4. Calculate National Insurance
Estimated employee National Insurance is calculated using the standard employee rates and thresholds for the 2026/27 tax year.
5. Calculate Take-Home Pay
Take-Home Pay = Gross Pay − Income Tax − National Insurance
The calculator then converts the estimated annual take-home amount into monthly and weekly figures.
UK Pay & Tax Terms Explained
Understand the key terms used in the UK Take-Home Pay Calculator.
Gross Pay
Your earnings before Income Tax, National Insurance and any other deductions are taken.
Personal Allowance
The amount of income you can generally earn before paying Income Tax. The standard Personal Allowance for the 2026/27 tax year is £12,570, although it may be reduced for higher earners.
Taxable Income
The portion of your income on which Income Tax is calculated after your applicable Personal Allowance.
Income Tax
Tax charged on your taxable income. The rates and bands depend on your income and whether you are a Scottish taxpayer.
National Insurance
Contributions paid on earnings above applicable thresholds. This calculator estimates employee National Insurance using standard rates.
Take-Home Pay / Net Pay
The estimated amount remaining after Income Tax and National Insurance have been deducted from your gross pay.
Pay Frequency
How often you are paid, such as annually, monthly, weekly or hourly. The calculator converts your entered pay into an estimated annual amount before calculating deductions.
Frequently Asked Questions
Find answers to common questions about UK take-home pay, Income Tax and National Insurance.
How accurate is this UK Take-Home Pay Calculator?
The calculator provides an estimate based on the 2026/27 Income Tax and standard employee National Insurance rules. Your actual take-home pay may differ depending on your tax code, pension contributions, student loan repayments and other deductions.
Why does Scotland have a separate option?
Scotland has different Income Tax bands and rates from England, Wales and Northern Ireland. Selecting Scotland allows the calculator to apply the appropriate Scottish Income Tax rates.
Does the calculator include pension contributions or student loan repayments?
No. The calculator currently estimates Income Tax and standard employee National Insurance only. Pension contributions, student loans and other payroll deductions are not included.
Can I calculate take-home pay from hourly, weekly or monthly earnings?
Yes. Select your pay frequency and enter your earnings. For hourly pay, also enter your weekly working hours. The calculator converts your pay into an estimated annual income before calculating deductions.
Disclaimer
This UK Take-Home Pay Calculator is provided for general informational and educational purposes only.
Results are estimates based on the information entered and the 2026/27 tax rates and thresholds used by the calculator.
It does not constitute tax, financial or legal advice. Actual deductions and take-home pay may vary depending on your tax code, employment circumstances, pension contributions, student loan repayments, benefits and other factors.
For personalised information, check your payslip and tax code and consult HMRC or an appropriate professional where necessary.