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Money & business · Free online tool
Take-home pay calculator
Estimate UK take-home pay from your salary after income tax and National Insurance for 2026/27. See what a UK salary is worth in your bank account after income tax and employee National Insurance, for the 2026/27 tax year.
3 guest runs per rolling 24 hours10 with a free accountPrivate inputsMobile-friendly
Take-home pay calculator workspace
Runs locally in your browser
Uses HMRC 2026/27 rates. Assumes tax code 1257L, no student loan and no other income. Scottish taxpayers pay different rates.
Result
Annual take-home pay—
Monthly take-home—
Weekly take-home—
Income tax—
National Insurance—
Pension contribution—
Total deductions—
Personal allowance used—
Effective tax rate—
Marginal rate on the next £1—
Income tax by band
Use it with confidence
How to use the take-home pay calculator.
Calculate and review
Use the main action when needed. Taxable pay = salary − personal allowance (£12,570); the allowance tapers by £1 for every £2 of adjusted net income above £100,000. Income tax is applied band by band, then employee National Insurance at 8% on earnings between £12,570 and £50,270 and 2% above, after any salary-sacrifice pension.
Try a worked example
A £30,000 salary in England, Wales or Northern Ireland pays £3,486.00 income tax and £1,394.40 National Insurance, leaving £25,119.60 a year or about £2,093.30 a month, before any pension.
Check the assumptions
Uses HMRC 2026/27 rates and assumes tax code 1257L, no other income, no student loan and no benefits in kind. Scottish taxpayers pay different rates; pension relief method, salary sacrifice, benefits and payroll timing can change your real payslip. This is an estimate, not tax advice.
Helpful answers
Take-home pay calculator FAQs.
Is the take-home pay calculator free?
Yes. Guests receive 3 runs per rolling 24 hours, verified free accounts receive 10, and Premium subscribers receive unlimited normal use.
Does UtilHub upload or save my inputs?
No. This tool runs in your browser and UtilHub does not receive or store the values you enter. Your browser or device may still retain normal local history or form data.
How does this take-home pay calculator work?
Taxable pay = salary − personal allowance (£12,570); the allowance tapers by £1 for every £2 of adjusted net income above £100,000. Income tax is applied band by band, then employee National Insurance at 8% on earnings between £12,570 and £50,270 and 2% above, after any salary-sacrifice pension.
What should I check before using the result?
Uses HMRC 2026/27 rates and assumes tax code 1257L, no other income, no student loan and no benefits in kind. Scottish taxpayers pay different rates; pension relief method, salary sacrifice, benefits and payroll timing can change your real payslip. This is an estimate, not tax advice.