Take Home Pay Calculator
Calculate your estimated UK take-home pay after Income Tax and National Insurance, using current 2026/27 rates.
Payment period
Region
Wales and Northern Ireland use the same rates as England. Scotland sets its own income tax bands.
Take-home pay
Estimated annual take-home
£45,357
Monthly
£3,780
Weekly
£872
Daily
£174
Hourly
£23.26
Breakdown (annual)
Personal Allowance used: £12,570. Marginal rate: 40%. Figures use published 2026/27 rates and are estimates for general guidance only, so check your exact position with HMRC or a qualified adviser.
How this calculator works
This calculator applies UK PAYE rules: your Personal Allowance is deducted from your gross salary first, then the remaining taxable income is charged Income Tax at the rates for your region. National Insurance is calculated separately, using its own threshold. If you add a pension contribution, it's modelled as salary sacrifice, meaning it reduces your pay before both Income Tax and National Insurance are worked out. That matches how most workplace pension schemes operate, though relief-at-source schemes work slightly differently.
Daily and hourly figures assume a standard 5-day, 37.5-hour working week. Your actual daily or hourly rate will differ if you work different hours.
What's included
- Income Tax at England/Wales/Northern Ireland or Scottish rates for 2026/27
- Employee Class 1 National Insurance
- Personal Allowance tapering for income over £100,000
- Pension contributions (salary sacrifice)
- Student loan repayments (Plans 1, 2, 4, 5 and Postgraduate)
- Bonuses and taxable benefits in kind