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UK take-home pay calculator 2026/27

Enter your salary and deductions to estimate take-home pay for the 2026/27 tax year in England, Wales and Northern Ireland.

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.

Gross pay

Pay periodPension contribution

Pension methodStudent loan

If you have multiple undergraduate plans, choose the one with the lowest threshold.

Tax regionPostgraduate loan

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

Item	Yearly	Monthly	Weekly
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.

Understanding your PAYE estimate

The calculator starts with gross annual pay, applies pension contributions, calculates taxable income after the Personal Allowance, then estimates Income Tax and employee National Insurance. Student loan repayments are calculated separately using weekly or monthly payroll thresholds for the selected plan and any postgraduate loan.

Your payslip can differ because of tax codes, benefits in kind, bonus timing, salary sacrifice arrangements, irregular hours or previous-period adjustments.