Salary Calculator UK 2026-27

Your take-home is your gross salary minus income tax and National Insurance. In 2026-27 the personal allowance is £12,570, then 20% to £50,270, 40% to £125,140 and 45% above. National Insurance is 8% between £12,570 and £50,270 and 2% above. This salary calculator applies all of it.

£12,570 — the amount you can earn before paying any income tax. It's reduced by £1 for every £2 you earn over £100,000, disappearing entirely at £125,140, which creates an effective 60% marginal rate in that band.

Yes. Scotland has six bands from 19% to 48% and different thresholds, so a Scottish taxpayer on a higher salary usually pays a little more than the rest of the UK. Switch the region toggle in the salary calculator to compare.

This version shows income tax and National Insurance only. Pension contributions reduce your taxable pay, and student loan repayments are a further deduction above your plan's threshold — factor those in separately for an exact net figure.