What this UK salary after tax calculator includes
This free UK salary after tax calculator gives an annualised estimate for employee salary income in the 2026/27 tax year. It is designed for salary planning, job offer comparison, monthly budgeting and understanding how PAYE Income Tax, National Insurance and other common deductions affect take-home pay.
It includes the standard Personal Allowance, Income Tax, employee National Insurance, salary sacrifice pension, Student Loan Plans 1, 2, 4 and 5, plus an optional Postgraduate Loan deduction. You can also choose England, Wales, Northern Ireland or Scotland for region-aware income tax bands.
The result is best used as a planning guide before you compare job offers, review a salary change or test the effect of pension sacrifice. For payslip-level accuracy, check your current tax code, payroll benefits, bonus treatment and any employer-specific deductions.
英国个税计算器和英国个人所得税计算器怎么用
如果你搜索“英国个税计算器”或“英国个人所得税计算器”，通常是想知道英国工资收入扣除 Income Tax / PAYE、National Insurance、养老金和学生贷款后还能拿到多少。 本页适合英国雇员工资场景：输入年薪、月薪或周薪，选择税区、养老金和学生贷款计划后，查看年、月、周税后到手工资。
- 适合比较英国工作 offer、涨薪前后收入和月度预算。
- 适合估算英格兰、威尔士、北爱尔兰和苏格兰工资收入的个人所得税。
- 不适合替代正式 payslip、会计建议或 HMRC 个案判断。
What it does not include
- Custom tax codes, company benefits or benefits in kind
- Marriage Allowance, Blind Person’s Allowance or other special reliefs
- Payroll-specific HMRC rounding and irregular pay treatment
- Dividend income, self-employed tax, child benefit charge or savings/dividend tax
2026/27 rates used for England, Wales and Northern Ireland
| Band | Total annual income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
2026/27 rates used for Scotland
| Band | Total annual income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
National Insurance, PAYE and loan assumptions
Employee National Insurance is estimated using Class 1 employee thresholds and rates for the tax year. Student Loan and Postgraduate Loan calculations are planning estimates based on the selected plan and annual income after salary sacrifice pension. This tool is useful as a UK salary after tax calculator, PAYE calculator and take-home pay estimator, but it is not a substitute for payroll or tax advice.
Does this UK salary after tax calculator work for Scotland?
Yes. Switch the region to Scotland and the page uses Scottish 2026/27 non-savings income tax bands. England, Wales and Northern Ireland use the rest-of-UK salary bands.
Is this the same as an official payslip?
No. It is an estimate. Employer payroll can differ because of tax code changes, pay frequency rounding, taxable benefits, pension setup, irregular bonuses and other payroll details.
Can I use this as a UK income tax calculator?
Yes. It estimates UK Income Tax / PAYE and National Insurance for employee salary income. It also shows pension and loan deductions so the result is closer to a take-home pay estimate.
How is salary sacrifice pension handled here?
This version treats pension as salary sacrifice. The pension amount is removed before Income Tax, National Insurance and loan deductions are estimated.
Is my salary data safe when using this calculator?
Yes. The calculation runs in your browser. Your salary amount is not uploaded to a server or stored in a database.
What happens if my salary is over £100,000?
For standard UK personal allowance rules, the personal allowance is reduced by £1 for every £2 of adjusted income above £100,000. The calculator applies this tapering rule when estimating take-home pay.