UK Income Tax Calculator 2026/27 — Free Take-Home Pay Calculator
See exactly where your salary goes. Enter your income, get your take-home pay in seconds — with visual tax bands, pension savings, and student loan deductions all worked out for you.
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UK Income Tax Bands 2026/27 — Example Salaries
The table below shows estimated take-home pay for three common salaries under England, Wales & Northern Ireland rates. No pension or student loan deductions are applied.
| Gross Salary | Income Tax | National Insurance | Take-Home (year) | Take-Home (month) |
|---|---|---|---|---|
| £35,000 | £4,484 | £1,794 | £28,721 | £2,393 |
| £50,000 | £7,484 | £2,994 | £39,521 | £3,293 |
| £75,000 | £17,430 | £3,510 | £54,059 | £4,505 |
Based on HMRC 2026/27 rates (England, Wales & Northern Ireland). No pension or student loan deductions.
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Why people use this calculator
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Compare up to 3 salaries at once
Weighing up two job offers? Curious about a pay rise? Add up to three salaries and compare them side by side with different tax years, regions, and pension settings.
Always up to date with HMRC
Tax rates, NI thresholds, and allowances are updated every April. We publish 2026/27 rates the moment HMRC confirms them.
Works in your language and currency
Available in 19 languages including French, German, Spanish, Arabic, Japanese, and more. View results in 20+ currencies including EUR, USD, and INR.
Scotland, England, Wales & Ireland
Full support for Scotland's 6-band system (19%–48%), English/Welsh rates, and the Irish system with USC, PRSI, and tax credits.
Every deduction accounted for
Pension contributions (salary sacrifice, net pay, relief at source), all five student loan plans, Gift Aid, Marriage Allowance, and custom tax codes.
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