UK Tax Calculator
UK-SpecificCalculate UK income tax and National Insurance contributions
Estimated Take-Home Pay
£32,320
per year (£32,320/year · £2,693/month · £622/week · £2,486/4 weeks)
Income Tax
£5,486
National Insurance
£2,194
Personal Allowance Used
£12,570
Income Tax by band (England, Wales & NI)
National Insurance breakdown
Employer NI on this pay: about £5,250 (15% above £5,000), paid by the employer on top of your salary.
How this was calculated
1. Taxable pay
Pay - pension (net pay and salary sacrifice) + taxable benefits
Using Pay = £40,000.00; Pension = £0.00; Taxable benefits = £0.00
Result: £40,000.00
2. Allowance
Personal allowance 12,570, reduced by 1 for every 2 of income above 100,000
Result: £12,570.00
3. Taxable income
Taxable pay - allowance (never below 0)
Using Allowance = £12,570.00
Result: £27,430.00
4. Income tax
Each band's amount x its rate (England, Wales and Northern Ireland bands)
Using Basic rate (20%) = £5,486.00
Result: £5,486.00
5. National Insurance
8% of pay between 12,570 and 50,270, plus 2% above 50,270 (benefits in kind excluded)
Using Main rate = £2,194.40; Upper rate = £0.00
Result: £2,194.40
6. Take-home pay
Pay - pension - income tax - National Insurance - student loan
Using Pay = £40,000.00; Pension = £0.00; Income tax = £5,486.00; National Insurance = £2,194.40; Student loan = £0.00
Result: £32,319.60
Per pay period
| Pay | Year | Month | Week | 4 weeks |
|---|---|---|---|---|
| Gross pay | £40,000.00 | £3,333.33 | £769.23 | £3,076.92 |
| Your pension contribution | £0.00 | £0.00 | £0.00 | £0.00 |
| Income tax | £5,486.00 | £457.17 | £105.50 | £422.00 |
| National Insurance | £2,194.40 | £182.87 | £42.20 | £168.80 |
| Take-home pay | £32,319.60 | £2,693.30 | £621.53 | £2,486.12 |
Income tax by band
| Band | Rate % | Taxed amount | Tax |
|---|---|---|---|
| Basic rate | 20% | £27,430.00 | £5,486.00 |
Based on 2026/27 rates (personal allowance £12,570, tapered above £100,000 when no tax code is entered). England, Wales and Northern Ireland, or Scotland with the Scottish Budget bands of 13 January 2026. Without a tax code, a standard code is assumed. Tax codes follow GOV.UK's letter meanings (L, M, N, T, 0T, BR, D0, D1, NT, K and the S and C prefixes). Not covered: Blind Person's Allowance, other income, Class 1A employer NI on benefits, and cumulative or emergency-code timing. Not tax advice.
Tax year: 2026/27 · Source: HMRC, gov.scot and Student Loans Company threshold tables · Rates last updated: 11 October 2026
Compared with the official figures on that date. Next review: April.
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About UK Tax Calculator
Estimates UK income tax, National Insurance, student loan repayments and take-home pay for 2026/27, for England, Wales and Northern Ireland or for Scottish taxpayers, with optional pension contributions, a tax code, a bonus or overtime, taxable benefits and Marriage Allowance.
Enter your gross annual salary, choose Scotland if you pay Scottish income tax, and add a pension percentage or student loan plan if they apply. To match your payslip, type your tax code (for example 1257L, BR, K475 or S1257L), and add a bonus or taxable benefits. Results are shown for the year, month, week and four weeks. Without a tax code the standard allowance is used, and between £100,000 and £125,140 it is withdrawn, which makes the effective rate on extra pay about 60%.
A tax code replaces the standard allowance, so use the code on your payslip or tax code notice. Monthly payslips use cumulative tax, so one month (a bonus month especially) can differ from a twelfth of the year; the yearly total is what this estimate reproduces. Other income, emergency-code timing and Class 1A employer NI on benefits are not modelled.
Watch: UK Tax Calculator in Action
- Will this match my actual take-home pay exactly?
- This estimates a standard tax code — if you have unusual circumstances (multiple jobs, benefits in kind, or a non-standard tax code), your actual deductions may differ from this general estimate.
- Which tax year and rates does it use?
- The 2026/27 tax year. National Insurance is 8 percent between 12,570 and 50,270 pounds and 2 percent above that. Student loan is 9 percent over the plan threshold: Plan 1 26,900, Plan 2 29,385, Plan 4 33,795, Plan 5 25,000. Postgraduate loan is 6 percent over 21,000. Compare these with gov.uk.
- What are the Scottish bands?
- After the personal allowance: starter 19 percent on the first 3,967 pounds, basic 20 percent up to 16,956, intermediate 21 percent up to 31,092, higher 42 percent up to 62,430, advanced 45 percent up to 125,140 of total income, and top 48 percent above that.
- How do the three pension types differ?
- Salary sacrifice cuts your pay before tax, National Insurance and student loan are worked out. Net pay arrangement lowers pay for income tax only. Relief at source takes the contribution from taxed pay and grosses it up by 20 percent, widening your tax bands, with the pot figure shown in brackets.
- What is the employer National Insurance figure?
- It is what your employer pays on top of your salary, worked out here as 15 percent of pay above 5,000 pounds a year, after any salary sacrifice. It is shown for information and does not reduce the take-home pay figure.
- Why does my take-home differ from my payslip?
- The estimate assumes a standard tax code, one salary for the whole year and no other income. Payslips reflect your actual tax code, pay-period timing, benefits in kind, workplace pension rules and how a student loan is collected. Treat the result as a rough guide and check your payslip or HMRC for exact figures.
How to use UK Tax Calculator
Enter your gross yearly pay in Annual Salary. Tick the Scottish income tax box only if that applies to you, which switches to six Scottish bands. If you pay into a pension, type a percentage in Pension (% of salary) and select a Pension type: Salary sacrifice, Net pay arrangement or Relief at source. Pick a Student loan plan from None, Plan 1, Plan 2, Plan 4 (Scotland) or Plan 5, and tick Postgraduate loan if you have one.
Results update immediately: take-home pay per year, month and week, then income tax, National Insurance, student loan and your pension contribution, plus a table of tax by band and a National Insurance split. Employer National Insurance is shown for information.
When to use it
Compare a job offer with your current pay, see what a pension percentage does to take-home pay, or sanity-check a payslip. It is especially handy for seeing how salary sacrifice differs from relief at source, or what the Scottish bands mean at your salary. Salaries near 100,000 pounds are worth testing, because the personal allowance starts to disappear there.
When not to use it
It is not suitable if you are self-employed, have several jobs, rental or dividend income, benefits in kind, an adjusted tax code, or claim Marriage Allowance or Blind Person's Allowance, because none of these are modelled. For official figures use your payslip, your Personal Tax Account, or the calculators on gov.uk. This page is general information and not tax advice.
Tips for best results
Try the three pension types at the same percentage to see why salary sacrifice leaves more take-home pay: it is the only type that also lowers National Insurance and the student loan base in this model. For earnings between 100,000 and 125,140 pounds, watch the Personal Allowance Used box shrink and the amber note about an effective 60 percent rate appear. Enter yearly pay, so convert hourly or monthly figures first.
Limitations
Rates are for the 2026/27 tax year only: personal allowance 12,570 pounds, reduced by 1 pound for every 2 above 100,000 and gone at 125,140. England, Wales and Northern Ireland use 20 percent on the first 37,700 of taxable income, 40 percent after that and 45 percent above 125,140 of total income. They were set for that year, so compare them with HMRC and gov.uk. A full year at one salary is assumed.
Privacy
Your salary, pension and loan choices are used only in a calculation inside your browser and are not uploaded or saved on your device. The site may log that the calculator was used, with a device identifier, to count daily use, but not the figures you enter. Because nothing is stored, refreshing the page resets the inputs to the sample 40,000 pound salary.
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