UK Salary Calculator 2026/27 — Gross to Net Pay
Calculate UK take-home pay for the 2026/27 tax year from gross salary. Includes Income Tax, employee National Insurance and separate rates for Scotland.
Period
Income Tax region
Contract salary before Income Tax and National Insurance
Estimate for a standard employee on tax code 1257L, category A National Insurance, with the same salary each month. Pension, student loans, benefits, bonuses and other tax-code adjustments are not included.
UK employee tax rules for 2026/27
- £12,570 Personal Allowance; reduced by £1 for every £2 above £100,000
- England, Wales and Northern Ireland: 20%, 40% and 45% Income Tax bands
- Scotland: 19%, 20%, 21%, 42%, 45% and 48% bands
- Employee NI: 8% from £12,570 to £50,270, then 2%
- The calculator annualises monthly pay before applying thresholds
- Salary income only — savings, dividends and self-employment use different rules
UK tax years run from 6 April to 5 April. This calculator uses the official 2026/27 thresholds.
How to calculate UK take-home pay
Estimate gross-to-net or net-to-gross salary under the 2026/27 UK employee tax rules.
Enter salary
Enter either your gross contract salary or the take-home amount you want.
Choose options
Choose monthly or annual pay and select Scotland or the rest of the UK for Income Tax.
Get the result
See estimated Income Tax, employee National Insurance, total deductions and take-home pay.
Why use this calculator
2026/27 official thresholds
Uses HMRC Income Tax allowances and Class 1 National Insurance rates effective from 6 April 2026.
England and Scotland
Switch between the Scottish salary bands and the bands used in England, Wales and Northern Ireland.
Private and secure
All computations run in your browser. The amounts you enter are not sent anywhere.
UK salary calculator FAQ
What does this UK salary calculator include?
It estimates Income Tax and employee Class 1 National Insurance for a standard employee in the 2026/27 tax year. It supports the Scottish Income Tax bands separately.
Why does the Personal Allowance fall above £100,000?
HMRC reduces the standard £12,570 Personal Allowance by £1 for every £2 of adjusted net income over £100,000. The calculator applies that taper until the allowance reaches zero.
Does Scotland use different tax rates?
Yes. Scottish taxpayers use six Income Tax bands for salary income in 2026/27. National Insurance remains the same across the UK.
Why can my payslip be different?
Your PAYE tax code, pension method, student loan, benefits, irregular bonuses, multiple jobs or National Insurance category can change deductions. Use the result as an estimate, not a payroll statement.