2026/27 TAX YEAR · 6 APRIL 2026 – 5 APRIL 2027

UK salary take-home calculator

Estimate what remains from your gross annual salary after Income Tax and employee National Insurance. Choose Scotland for its separate income-tax bands.

Your salary details

Your estimated results

ESTIMATED TAKE-HOME PAY · SELECTED FREQUENCY$—Annual: £—

Gross annual salary£—

Income Tax£—

Employee National Insurance£—

Estimated annual take-home£—

Estimated take-homeIncome Tax + NI

Illustrative estimate for a standard employee using 2026/27 rates.

How the estimate works

2026/27 Personal Allowance of £12,570, reduced by £1 for every £2 of adjusted net income above £100,000; it reaches zero at £125,140.
England, Wales and Northern Ireland use 20%, 40% and 45% taxable-income bands.
Scotland uses its 2026/27 starter, basic, intermediate, higher, advanced and top rates.
Standard employee Class 1 National Insurance (category A): 8% between £12,570 and £50,270, then 2% above £50,270.

This is an annualised estimate, not a PAYE payslip simulator. It excludes workplace pension contributions, salary sacrifice, student-loan repayments, benefits in kind, tax-code adjustments, Marriage Allowance, other taxable income, National Insurance category variations and payroll-period rounding. The NI calculation uses annual earnings thresholds; actual payroll deductions can vary by pay period.

GOV.UK Income Tax rates and allowances Scottish Income Tax 2026/27 HMRC National Insurance rates and thresholds

SalarySach provides general educational estimates, not tax, legal, accounting or financial advice. Actual tax liability and take-home pay depend on your circumstances and HMRC tax code. Check with HMRC or a qualified tax professional.