Take-home pay calculator 2026/27
rates verified 24 Jul 2026 · next refresh after Autumn Statement
Direct answer
Take-home pay is gross salary minus income tax minus NI. The homepage resolver shows all three for any salary and regime in 2026/27110.
Enter your gross salary in the resolver at the top of the homepage. Toggle Scotland to apply Scottish rates.
Monthly take-home (rUK 2026/27)
| Gross / yr | Net / yr | Net / mo |
|---|---|---|
| £25,000 | £21,520 | £1,793 |
| £35,000 | £28,720 | £2,393 |
| £55,000 | £42,457 | £3,538 |
| £80,000 | £56,957 | £4,746 |
| £125,140 | £76,138 | £6,345 |
Student loan and pension
Student loan repayment thresholds for 2026/27: Plan 1 £26,065, Plan 2 £28,470, Plan 4 £32,745, Plan 5 £25,000 – at 9% above the threshold. Pension salary sacrifice removes the sacrificed amount from gross for both tax and NI.