What is UK Take-Home Pay Calculator?
The UK Take-Home Pay Calculator is a free online tool that works out your net pay after income tax, National Insurance, student loan repayments, and pension contributions. It's built for the 2026/27 tax year and shows your results as annual, monthly, weekly, and daily figures, alongside a visual income breakdown chart. You simply enter your gross salary, tax code, pension percentage, student loan plan, and NI category, and the calculator does the rest.
Who it's for
- Salaried employees — anyone who wants to know exactly what they'll keep from their gross salary each month, week, or day.
- Job seekers comparing offers — people weighing up two salary packages side by side to see which one actually pays better after deductions.
- Employees planning bonuses or pensions — those who want to estimate bonus take-home amounts or understand how salary sacrifice pension contributions affect their net pay.
Key features
Full 2026/27 tax year support
The calculator is updated for the 2026/27 income tax bands, National Insurance thresholds, and student loan repayment rates. It reflects the frozen personal allowance of £12,570 and the current basic, higher, and additional rate bands, so the results match what HMRC will actually deduct.
Student loan plans 1–5 and postgraduate
You can select any student loan plan, including Plan 1, Plan 2, Plan 4, Plan 5, and the postgraduate loan. The calculator applies the correct repayment thresholds and rates for each plan, so your student loan deduction is accurate rather than a rough guess.
Bonus calculator and salary comparison
The bonus calculator shows how much of a bonus you keep after tax and NI, including the effect of crossing tax band boundaries. The salary comparison tool lets you enter two salaries side by side and see the difference in take-home pay, tax, and effective rate — useful when deciding between job offers or evaluating a pay rise.
Flexible tax codes, NI categories, and pension options
You can choose from standard tax codes like 1257L, BR, D0, NT, and K codes, plus NI categories A, B, C, and M. Pension contributions can be set as a percentage, with salary sacrifice options that reduce your NI liability.
What stands out
Free, no sign-up, and updated for 2026/27 rates — that's the whole pitch.
Most take-home pay calculators are either outdated, cluttered with ads, or require registration. This one is straightforward: enter your salary, pick your options, and get an accurate breakdown instantly. The inclusion of all student loan plans, multiple NI categories, and a bonus calculator makes it more complete than many comparable tools, and the salary comparison feature adds practical value for job hunters.
Worth checking out if…
You're a UK employee who wants a quick, accurate estimate of your take-home pay for the 2026/27 tax year, whether you're budgeting, negotiating a salary, or planning a bonus. It's also worth a look if you have a student loan or salary sacrifice pension and want to see how those deductions affect your net income.
