Take-home pay calculator 2026/27

For employees

What will you actually take home?

Start with gross pay or the amount you want after deductions.

2026/27 tax year

Annual gross payPay period

Where you pay Income Tax

Refine the estimate

The starting estimate assumes the standard Personal Allowance, category A National Insurance, no pension sacrifice and no student loan.

Salary-sacrifice pensionStudent loan

I also repay a postgraduate loan

Estimated take-home pay

£35,920

a year (about £2,993 a month)

Gross pay£45,000

Income Tax£6,486

Employee National Insurance£2,594

Take-home pay£35,920

Illustration only. Tax rates and thresholds can change. Your tax code and payroll deductions may differ, so this is not an exact payslip or personal tax advice.

This is for PAYE employees, not self-employed profits, drawings or dividends. It assumes steady pay across the year and the standard £12,570 Personal Allowance. It excludes other income, benefits, tax-code adjustments and pension methods other than salary sacrifice. Actual monthly payroll deductions and rounding can differ.

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What this estimate includes

For the 2026/27 tax year, this tool estimates Income Tax, employee National Insurance and, if you select them, salary-sacrifice pension and student loan deductions. You can choose Scotland or the rest of the UK.

It assumes standard PAYE arrangements and regular pay. It is not an exact payslip or personal tax advice. Tax rates and thresholds can change.