Important Disclaimer
These estimates are INDICATIVE only. The take-home pay figures shown are approximate calculations based on standard UK tax rates and should not be relied upon for financial planning purposes.
Your actual take-home pay will depend on your individual circumstances. We strongly recommend consulting with a qualified tax advisor or using HMRC's official calculators for accurate figures.
What's Included
Our calculator estimates deductions for:
- Income Tax - Basic (20%), Higher (40%), and Additional (45%) rate bands
- National Insurance - Class 1 Employee contributions at 8% and 2% rates
- Student Loan Repayments - Plan 2, Plan 5, and Postgraduate loan thresholds
- Pension Contributions - Employee contributions (assumed salary sacrifice)
What's NOT Included
The following factors are not accounted for and may affect your actual take-home pay:
- Scottish or Welsh income tax rates - We use England/NI rates only
- Marriage Allowance - Transfer of personal allowance between spouses
- Blind Person's Allowance - Additional tax-free allowance
- Plan 1 or Plan 4 Student Loans - Earlier loan plans with different thresholds
- Multiple student loans - Concurrent repayment of multiple plans
- Benefits in Kind - Company car, private medical, etc.
- Salary Sacrifice schemes - Other than pension (cycle to work, childcare, etc.)
- Overtime or bonuses - Variable pay components
- Tax codes other than 1257L - The standard tax code
- Previous employment in the tax year - Cumulative tax calculations
Assumptions
Our calculations assume:
- You are employed (PAYE) in England, Wales, or Northern Ireland
- You have a standard tax code (1257L)
- The displayed salary is your only income source
- Pension contributions are via salary sacrifice (reducing taxable income)
- You are under State Pension age
- You have no other deductions from source
Tax Year
All calculations use rates for tax year 2026/2027 (6 April 2026 to 5 April 2027). Tax bands and thresholds are updated annually by the UK Government, typically announced in the Autumn Budget.
Personal Allowance
The standard Personal Allowance is £12,570. This is the amount you can earn before paying income tax. The allowance reduces by £1 for every £2 of income above £100,000, meaning it reaches £0 at £125,140.
Income Tax Bands
Taxable income bands (after personal allowance):
- Basic rate (20%) - £0 to £37,700
- Higher rate (40%) - £37,700 to £125,140
- Additional rate (45%) - Over £125,140
National Insurance Thresholds
- Primary Threshold - £12,570/year (8% rate)
- Upper Earnings Limit - £50,270/year (2% rate above)
Student Loan Thresholds
- Plan 2 - £29,385/year (9% of income above)
- Plan 5 - £25,000/year (9% of income above)
- Postgraduate - £21,000/year (6% of income above)
Sources
Our calculations are based on official UK Government rates published on GOV.UK:
Compare Salaries
Want to compare two job offers? Our Salary Comparison Tool lets you compare take-home pay side-by-side, with adjustments for location and experience level.
Questions?
If you have questions about how your take-home pay is calculated, or if you believe there is an error in our estimates, please contact us.
For authoritative information about UK taxes, visit GOV.UK Tax guidance or use the official HMRC Tax Calculator.