Which tax year does this calculator support?
It supports the UK 2026/27 tax year from 6 April 2026 to 5 April 2027. Rates and thresholds were last verified against GOV.UK and HMRC sources on 1 November 2026.
UK Salary & Income Tax Calculator
Convert annual, monthly, weekly, or hourly gross pay into a detailed 2026/27 take-home estimate for England, Wales, Scotland, or Northern Ireland.
Section 1
Salary inputs
Enter pay before tax and employee deductions.
Advanced deductions: pension and loans
Percentage of gross annualised salary.
Your contractual salary is reduced and the employer pays that amount to the pension. The estimate reduces Income Tax, employee NI, and loan earnings.
Section 2
Estimated take-home pay
£2,858.30per month£34,299.60 a year after the deductions selected above.
Section 3
Income tax and deduction breakdown
Gross salary£45,000.00
−Income Tax£6,036.00
−Employee National Insurance£2,414.40
−Pension cash deduction£2,250.00
−Student loan£0.00
−Postgraduate loan£0.00
=Estimated take-home pay£34,299.60
- Personal Allowance
- £12,570.00
- Taxable income
- £30,180.00
- Total cash deductions
- £10,700.40
- Adjusted net income
- £42,750.00
Pension effect
£2,250.00 is deducted from cash pay; the estimated pension-pot contribution is £2,250.00.
Estimated Income Tax, NI and loan reduction versus no pension: £630.00.
Section 4
Annual, monthly and weekly comparison
Annual take-home£34,299.60
Monthly take-home£2,858.30
Weekly take-home£659.61
Section 5
Visual salary distribution
- Take-home: £34,299.60
- Income Tax: £6,036.00
- National Insurance: £2,414.40
- Pension and loans: £2,250.00
Section 6
Tax calculation assumptions
2026/27 · England · sources last verified 1 November 2026
- This is an annualised estimate for employment income under a standard Personal Allowance and employee NI category A. It is not an exact PAYE payslip.
- Monthly, weekly, and hourly inputs are annualised using 12 months or 52 weeks. Actual payroll uses pay-period thresholds and rounding, so deductions can differ.
- Only employment income is included. Tax codes, benefits in kind, bonuses, other income, marriage allowance, Blind Person's Allowance, NI deferment, and prior-period adjustments are excluded.
- Loan estimates use annual thresholds and do not round down to whole pounds each pay period as payroll does.
- Pension annual-allowance charges, carry-forward, employer matching, qualifying-earnings rules, and minimum-wage limits on salary sacrifice are not modelled.
Official sources
Salary and deduction values are calculated locally in this browser. Tool Teaze does not upload, store, or track them. This estimate is not financial or tax advice.
What this tool does
This UK gross-to-net salary calculator estimates employment Income Tax, employee National Insurance, pension effects, student loans, postgraduate loans, and take-home pay using official 2026/27 rules.
How to use it
- Enter annual, monthly, weekly, or hourly gross pay and choose your UK tax jurisdiction.
- Open advanced deductions to identify the pension arrangement and select any student or postgraduate loan.
- Review annual, monthly, and weekly take-home pay plus the full deduction breakdown and assumptions.
Example input and output
Input: £50,000 annual salary in England, 5% salary sacrifice
Output: Estimated annual, monthly, and weekly take-home pay with tax, NI, and pension deductions
Common use cases
- Comparing job offers and salary changes
- Estimating gross-to-net pay before a pay review
- Reviewing how pension and student-loan choices affect take-home pay
FAQ
Does the calculator support Scotland and Wales?
Yes. Scotland uses its six employment-income tax bands. Wales uses its verified 2026/27 Welsh rates, which match the 20%, 40%, and 45% rates used in England and Northern Ireland for this tax year.
How are pension contributions treated?
Choose salary sacrifice, a net-pay employee contribution, or relief at source. Each method is calculated separately because its Income Tax, National Insurance, loan, provider-relief, and cash effects differ.
Will this match my payslip exactly?
Not necessarily. It is an annualised estimate using a standard Personal Allowance and NI category A. Payroll works by pay period and can include tax codes, benefits, bonuses, other income, adjustments, and whole-pound loan rounding.
Are pension annual-allowance charges included?
No. Annual-allowance charges, carry-forward, employer matching, qualifying-earnings rules, and salary-sacrifice minimum-wage restrictions are outside this calculator. Check your scheme and seek professional advice where needed.
Are my salary details saved or sent anywhere?
No. The calculation runs locally in your browser without uploading, storing, or tracking the salary and deduction values you enter.