🛠️ UK Salary Calculator
Calculate your UK take-home pay for 2026/27. Includes Scotland tax bands, Student Loans (Plans 1-5), and pension deductions.
UK Take-Home Pay Calculator
Accurate 2026/27 Net Salary Calculator for England, Wales, NI & Scotland
Your Details
Your Payslip Breakdown
Understanding Your UK Payslip Deductions
1. Income Tax: Rest of UK vs. Scotland
The biggest difference in UK payroll is how Income Tax is calculated. England, Wales, and Northern Ireland use a 3-band system (Basic 20%, Higher 40%, and Additional 45%). Scotland uses a 6-band system designed to make the tax system more progressive. Scottish taxpayers pay different rates (Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Advanced 45%, and Top 48%). Our calculator automatically applies the correct regional bands based on your selection.
2. National Insurance (NI)
National Insurance is a tax on your earnings that funds the NHS and state benefits. For the 2026/27 tax year, employees pay NI on earnings above the Primary Threshold (£12,570). The main rate is applied to earnings up to the Upper Earnings Limit, with a reduced rate applied to earnings above that limit.
3. Student Loan Repayments (Plans 1, 2, 4, and 5)
If you studied in the UK, you likely have a student loan. Repayments are automatically deducted via PAYE once you earn above a specific threshold. You repay 9% of everything you earn above your plan's threshold:
- Plan 1: For older loans. The threshold is currently £24,990.
- Plan 2: For most English and Welsh students who started university between 2012 and 2022. The threshold is £27,295.
- Plan 4: For Scottish students who started university in 2012 or later. The threshold is higher, at £31,395.
- Plan 5: For English and Welsh students starting university from August 2023 onwards. The threshold is £25,000.
4. Workplace Pension Contributions
Under UK auto-enrolment rules, eligible employees must be enrolled in a workplace pension. If you contribute to your pension via a "Net Pay" arrangement, your contributions are deducted from your gross pay before Income Tax is calculated. This means you get immediate tax relief on your pension contributions, effectively reducing your taxable income.
Frequently Asked Questions (FAQ)
Does this calculator include the Personal Allowance?
Yes. The calculator automatically applies the standard UK Personal Allowance (£12,570), meaning you pay zero Income Tax on the first £12,570 of your gross salary. (Note: The personal allowance tapers away if you earn over £100,000).
How accurate is this take-home pay calculator?
This tool provides a highly accurate estimate based on standard tax codes (1257L). However, it does not account for complex scenarios like the Marriage Allowance, Blind Person's Allowance, unpaid leave, or specific emergency tax codes.
When is the UK tax year?
The UK tax year runs from 6th April to 5th April the following year. For example, the 2026/2027 tax year runs from 6 April 2026 to 5 April 2027.
Disclaimer: This calculator is for informational purposes only and does not constitute financial or tax advice. Tax bands and thresholds are subject to change by HMRC. Always consult a qualified accountant or check directly with HMRC for your specific tax situation.