UK Take-Home Pay Calculator

2026/27 tax year

UK take-home pay calculator

Work out annual, monthly, weekly and daily take-home pay after Income Tax, employee National Insurance, pension contributions and student loan repayments.

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UK take-home pay calculator 2026/27

Estimate Income Tax, employee National Insurance, pension, student loan and take-home pay for England, Wales and Northern Ireland.

Based on an annual gross salary of £40,000. Uses GOV.UK 2026/27 thresholds for PAYE employees.

Assumptions

Region
England, Wales or NI
Pension
Net pay
Student loan
None
Loan payroll basis
monthly

Salary breakdown

ItemYearlyMonthlyWeekly
Gross salary£40,000£3,333£769
Income Tax-£5,086-£424-£98
National Insurance-£2,194-£183-£42
Pension deduction-£2,000-£167-£38
Take-home pay£30,720£2,560£591
Pension treatment follows the selected pension method. Student loans use GOV.UK weekly or monthly payroll thresholds and whole-pound deductions.

What the calculator includes

This calculator estimates PAYE deductions for employees in England, Wales and Northern Ireland. It includes the frozen Personal Allowance, the post-100k allowance taper, basic, higher and additional Income Tax bands, monthly employee National Insurance, undergraduate student loan plans and postgraduate loans.

How to use the result

The yearly figure shows expected take-home pay after the selected deductions. Monthly and weekly values are simple averages, useful for budgeting when your employer pays a fixed salary through PAYE.

Helpful next steps

Compare two offers on the salary comparison calculator, convert a shift rate on the hourly calculator, or read the 2026/27 tax bands guide.

Frequently asked questions

Which UK tax year does this calculator use?+

The calculator uses the 2026/27 England, Wales and Northern Ireland Income Tax bands, plus monthly employee National Insurance thresholds.

Does the calculator support Scotland?+

The region selector is included, but Scottish Income Tax is marked as coming soon. Current calculations are for England, Wales and Northern Ireland.

Is pension deducted before tax?+

For this estimate, pension contributions reduce taxable income, while National Insurance is calculated on gross monthly pay.