UK Salary & Take-Home Pay Calculator
Stop guessing. Get a precise breakdown of your salary, taxes, and National Insurance in seconds using the latest 2026/27 UK tax rules.
Popular salary examples
Common salaries after tax in 2026/27
How it works
How the UK take-home pay calculator works
This calculator uses the latest HMRC tax rates and National Insurance (NI) thresholds to estimate your take-home pay. It accounts for:
- Income Tax: Based on your tax code (e.g., 1257L) for England and Northern Ireland, Wales, or Scotland.
- National Insurance (NI): Calculated based on your specific NI letter.
- Pension Contributions: Including support for Salary Sacrifice and Net Pay arrangements.
- Additional Earnings: Add bonuses, overtime, commission, and tips to see their impact on your net pay.
Why use the Workmax net pay calculator?
Unlike simple calculators, Workmax uses our professional payroll engine to make calculations as realistic as possible. Enter earnings using your normal pay frequency, then review a consistent monthly breakdown with annual and weekly equivalents.
Comparing a contract offer with employment instead? Use the contractor day rate vs permanent pay calculator.
Checked against official guidance
Official source basis
The calculator uses the Workmax payroll engine with HMRC Income Tax and National Insurance rates for the selected tax year. Results remain estimates because tax codes, earlier pay, benefits and payroll rounding can change an individual payslip.
Effective period: 6 April 2026 to 5 April 2027 (2026/27)
Last reviewed:
Expert salary estimates updated for 2026/27
UK Salary Calculator — FAQ
Common questions about how our UK take-home pay and salary calculator works.
Which pay frequency should I enter?
Enter earnings using your current or expected pay frequency. The result shows a monthly gross-to-net breakdown, an annual total and a weekly equivalent so the same estimate is easy to understand across common time periods.
How are my earnings calculated?
Fixed earnings use the exact amount you provide. Hourly earnings are calculated by multiplying your hourly rate by the number of hours and any multiplier (like 1.5x for overtime) for that period.
How accurate are the tax and National Insurance figures?
We use the Workmax payroll engine, which is updated for the 2026/27 tax year and includes regional variations for Scottish and Welsh taxpayers. While highly accurate, these are still estimates and your actual payslip may vary.
How are pension contributions handled?
The calculator supports both percentage-based and fixed-amount pension contributions. You can choose between 'Net Pay Arrangement' and 'Salary Sacrifice' to see how they affect your taxable income and take-home pay.
Can I add more than one type of earning?
Yes. You can add multiple earning types such as regular salary, bonuses, overtime, and commission. This is useful for seeing how a one-off bonus might affect your monthly net pay.
What is a tax code and why does it matter?
Your tax code (like 1257L) tells HMRC how much tax-free income you're entitled to. If you don't know yours, the standard 1257L is used by default. Changing this will significantly affect your take-home pay calculation.
Is this financial advice?
No. This tool is for guidance and estimation purposes only. It does not constitute financial or professional tax advice.
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