Precis

Take-Home Pay

England, Wales & Northern Ireland rates, 2026/27 tax year. Your salary here autofills the rest of the Finance calculators.

  • 2026/27 tax year
  • Instant results
  • Private: runs in your browser
  • Free, no sign-up
Estimate only — doesn't include student loans, Scottish tax bands, benefits-in-kind, or salary sacrifice on things other than pension. Verify against gov.uk before relying on it.
Take-home pay
£0
per month
Gross salary£0
Pension contribution£0
Income tax£0
National Insurance£0
Net annual£0

What is a take-home pay calculator?

A take-home pay calculator (also called a salary calculator or net pay calculator) works out what actually lands in your bank account after Income Tax and National Insurance are deducted from your gross salary. For the 2026/27 tax year, everyone gets a £12,570 tax-free Personal Allowance, then pays 20% Income Tax up to £50,270, 40% up to £125,140, and 45% above that — National Insurance is deducted separately, at 8% between £12,570 and £50,270 and 2% above. This calculator applies those bands automatically, so you can see your monthly, weekly or annual net pay in one place instead of working it out by hand. If a house purchase is next, your salary here also feeds directly into the Mortgage Affordability Calculator.

Frequently asked questions

How much tax will I pay on £40,000 in the UK?

On a £40,000 salary with no pension contributions, you'd pay roughly £5,486 in Income Tax and £2,194 in National Insurance for 2026/27, leaving about £32,320 a year — enter your exact figure above for a precise breakdown.

Does this include student loan repayments?

Not in this version — this calculator covers Income Tax, National Insurance and pension contributions for England, Wales and Northern Ireland. Scottish tax bands and student loan plans aren't included yet.

What's the difference between gross and net pay?

Gross pay is what you earn before any deductions. Net pay (take-home pay) is what's left after Income Tax, National Insurance and any pension contributions come out — the number that actually reaches your bank account.

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