UK Take Home Pay Calculator 2026/27

UK Take Home Pay Calculator 2026/27

Estimate Your Income Tax, National Insurance and Pension Tax Relief

Use our free Income Tax and National Insurance calculator to estimate how much tax you could pay based on your annual salary. You can also see how much tax relief you may be entitled to on your pension contributions, helping you understand the true cost of saving for retirement.

Getting started is simple. Just enter your gross annual salary (your earnings before Income Tax and National Insurance are deducted) along with the total amount you contribute to your pension each year.

In just a few seconds, you’ll receive an estimate of:

  • Your annual Income Tax bill
  • Your National Insurance contributions
  • Your total annual pension contributions
  • The pension tax relief you could be eligible to claim
  • A clearer picture of your overall earnings and deductions

Whether you’re planning your finances, reviewing your pension contributions or simply want to understand your take-home pay, this calculator provides a quick and easy estimate based on the information you enter.

HMRC-BASED ESTIMATE · 2026/27

UK Income Tax & Take-Home Pay Calculator

£
PENSION CONTRIBUTION
STUDENT LOAN PLANS

NET TAKE-HOME PAY

£0 / year

Monthly

£0

Weekly

£0

Daily

£0

Gross Salary

£0

Total Deductions

£0

Effective Tax Rate

0%

Marginal Tax Rate

0%

Employer NI

£0

Employer Total Cost

£0

This calculator provides an estimate based on current HMRC tax rules and should not be considered financial or tax advice. Recognised tax code formats: standard (1257L), Scottish/Welsh-prefixed (S1257L, C1257L), flat-rate (BR, D0, D1, D2), zero-allowance (0T), K-codes (K475), and NT (no tax). Figures are calculated to the nearest penny from annual values; real payroll software may round slightly differently per pay period.

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