UK salary calculator 2026/27
Calculate your UK salary after income tax, National Insurance, pension contributions, and student loan repayments. See annual, monthly, weekly, daily, and hourly take-home pay, free and based on the latest HMRC rates for 2026/27.
Use the calculator →2026/27 tax rates at a glance
All figures are set by HMRC for the 2026/27 (26/27) tax year and sourced from our tax guides. The calculator uses these rates automatically — you do not need to look them up.
| Income Tax Band | Gross income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,570 – £50,270 | 20% |
| Higher Rate | £50,270 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
| National Insurance | Earnings range | Rate |
|---|---|---|
| Below Primary Threshold | Up to £12,570 | 0% |
| Main Rate | £12,570 – £50,270 | 8% |
| Upper Rate | Over £50,270 | 2% |
The Personal Allowance tapers by £1 for every £2 of income above £100,000, reducing to zero at £125,140. The calculator handles this automatically.
How the UK salary calculator works
Enter your gross annual salary — or hourly rate — and the salary calculator deducts each tax in the correct HMRC order for 2026/27:
- Personal Allowance — the first £12,570 of income is tax-free.
- Income Tax — applied in bands at 20%, 40%, and 45%.
- National Insurance — employee NI at 8% up to £50,270, then 2%.
- Pension — optional employee contribution (auto-enrolment or salary sacrifice).
- Student loan — choose your repayment plan (1, 2, 4, 5, or Postgraduate).
The result is your net take-home pay shown as annual, monthly, weekly, daily, and hourly figures. For Scottish income tax, toggle the Scotland option to apply the six Scottish bands instead.
Calculate your take-home pay →Explore salary and tax calculators
Looking for a specific salary, hourly rate, or tax topic? Browse these resources — all server-rendered with exact 2026/27 figures:
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Frequently asked questions
How much Income Tax will I pay in 2026/27?
In 2026/27 the Personal Allowance is £12,570 — you pay no tax on income up to this amount. Above £12,570 you pay Basic Rate (20%) up to £50,270, Higher Rate (40%) up to £125,140, and Additional Rate (45%) on anything above that. Enter your salary into the calculator to get your exact figure.
How is National Insurance calculated?
Employees pay 8% National Insurance on earnings between £12,570 and £50,270, and 2% above that threshold. The calculator works out both Income Tax and NI together so you see your true take-home pay.
What is the UK Personal Allowance for 2026/27?
The standard Personal Allowance is £12,570 for the 2026/27 tax year. This is the amount you can earn before paying any Income Tax. It tapers by £1 for every £2 earned above £100,000, disappearing entirely at £125,140.
Does the calculator include pension and student loan deductions?
Yes. The calculator handles employee pension contributions (auto-enrolment or salary sacrifice), all student loan repayment plans (Plan 1, Plan 2, Plan 4, Plan 5, and Postgraduate), and lets you toggle Scottish income tax rates. Enter your details to see the full picture.
Can I calculate hourly, weekly, or monthly take-home pay?
Yes. Enter any gross salary and the calculator shows your take-home pay as an annual, monthly, weekly, daily, and hourly figure. For hourly workers there is a dedicated hourly wage calculator at /hourly-wage that converts an hourly rate to an annual salary first.
Is this calculator accurate for Scottish taxpayers?
Yes. Toggle the Scotland option to apply the Scottish income tax bands instead of the England, Wales, and Northern Ireland rates. Scotland has six bands (Starter, Basic, Intermediate, Higher, Advanced, and Top) with different thresholds and rates from 2026/27 onwards.