Salary Calculator UK
Understand your take-home pay by calculating income tax and National Insurance. Enter your gross annual salary to see a full breakdown.
Enter Your Salary
Enter your gross annual salary to see a detailed breakdown of your take-home pay.
Your Take-Home Pay
Based on 2026/27 tax rates.
Total deductions (Tax + NI): £6,280.40
Understanding Your Salary Breakdown
When you receive your salary, several deductions are made before the money reaches your bank account. The two primary deductions in the UK are Income Tax and National Insurance Contributions (NICs). This Calculator Site tool uses the official 2026/27 tax year rates to give you an accurate picture of your take-home pay (also known as net pay).
Most people get a Personal Allowance of £12,570, which is income you don’t pay tax on. The amount of tax you pay depends on how much you earn above this and which tax band you fall into. For a more detailed analysis, try our Take-Home Pay Calculator.
Note for Scottish Taxpayers
This calculator uses the tax bands and rates for England, Wales, and Northern Ireland. Scotland has its own set of income tax bands which are different. For accurate calculations for Scotland, please use our dedicated Scottish Income Tax Calculator.
Key Deductions: Tax & National Insurance
National Insurance funds state benefits like the NHS and State Pension. For the 2026/27 tax year, you pay 8% on earnings between £12,570 and £50,270, and 2% on earnings above that. Income tax is charged at 20% (Basic Rate) on income up to £50,270, with higher rates applying above that threshold.
£12,570
Tax-Free Personal Allowance
20%
Basic Rate of Income Tax
8%
Main National Insurance Rate
Understanding these deductions is key to financial planning. For circumstances like student loans, check our comprehensive Salary and Student Loan Calculator.
How to use this Calculator Site tool
Simply enter your gross annual salary into the field to see a full breakdown of your estimated take-home pay. The results show your net pay annually, monthly, weekly, and daily, helping you budget effectively. This tool is based on the 2026/27 tax year.
Related Tools and Resources
Knowing how your salary breaks down helps you make informed decisions about your career and finances. You may also find our Salary Calculator with Tax Code useful for related calculations.
For a broader view of your finances, try the Salary and Student Loan Calculator or the Take-Home Pay Calculator. All of our calculators are free to use and updated for the 2026/27 tax year where applicable. For the latest official tax bands, see GOV.UK income tax rates.
Frequently Asked Questions
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