Tool 572 · UK tax year 6 Apr 2026–5 Apr 2027
UK Net Salary Calculator
Estimate take-home pay using the 2026/27 Income Tax bands for England, Wales, Northern Ireland or Scotland, employee National Insurance, pensions and current student-loan thresholds. Compare job offers and reverse-plan the gross salary needed for a target net income.
Annual planning estimate, not payroll software. PAYE, NI and student-loan deductions are normally calculated per pay period and can differ because of tax codes, irregular bonuses, payroll rounding and individual circumstances.
Four UK tax regionsMain-rate and Scottish Income Tax engines with the £100k Personal Allowance taper.
Pension-awareModel salary sacrifice, net-pay pension contributions or post-tax contributions separately.
Student loansPlans 1, 2, 4 and 5 plus an optional Postgraduate Loan.
Reverse plannerEstimate the contractual gross salary required for a chosen annual take-home target.
Your take-home estimate
Annualised 2026/27 calculation
Annual take-home——
Per pay period——
Income Tax——
Employee NI——
Student loans——
Personal Allowance——
Extra £1,000 salary—estimated extra annual net
Gross needed for target—enter a target net
Where the contractual gross goes
Annual breakdown
Per-pay estimate
Offer comparison
Current estimated net—
Comparison estimated netEnter an offer
The comparison reuses your tax region, pension treatment, NI category and loan settings. Pension amount remains fixed rather than automatically scaling with salary.