UK Take-Home Pay Calculator
See exactly where your salary goes: income tax, National Insurance, student loan, and pension — using 2026/27 rates for England, Wales & Northern Ireland.
Looking for the US take-home pay calculator?
Workplace pension (net-pay arrangement)
Using 2026/27 rates for England, Wales & NI.
How your income tax is calculated
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Personal allowance (tax-free) | 0% | £12,570.00 | £0.00 |
| Basic rate | 20% | £23,530.00 | £4,706.00 |
| Line | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross pay | £38,000.00 | £3,166.67 | £730.77 |
| − Income tax | £4,706.00 | £392.17 | £90.50 |
| − National Insurance | £2,034.40 | £169.53 | £39.12 |
| − Pension | £1,900.00 | £158.33 | £36.54 |
| Take-home pay | £29,359.60 | £2,446.63 | £564.61 |
Worked example
On a £38,000 salary in 2026/27 with no pension or student loan: income tax is £5,086.00, National Insurance is £2,034.40, leaving take-home pay of £30,879.60 a year — £2,573.30 a month.
Rates last reviewed 12 June 2026 against HMRC and House of Commons Library figures.
Frequently asked questions
How is UK take-home pay calculated?
Income tax is charged on earnings above your £12,570 personal allowance at 20% (basic), 40% above £50,270, and 45% above £125,140. Employee National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above. On a £38,000 salary that leaves about £2,573.30 a month before pension or student loan deductions.
Why does my personal allowance disappear above £100,000?
The personal allowance is reduced by £1 for every £2 you earn above £100,000, vanishing entirely at £125,140. In that band each extra £100 of salary is effectively taxed at 60% (40% tax plus the lost allowance), which is why pension contributions are especially valuable there.
How are student loan repayments worked out?
You repay 9% of income above your plan's threshold (6% for postgraduate loans). For 2026/27: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, Postgraduate £21,000. Repayments are based on gross pay and collected through PAYE.
Does this calculator cover Scotland?
Scottish income tax bands differ from the rest of the UK and are not yet included — figures here use England, Wales & Northern Ireland rates. National Insurance and student loans work the same UK-wide (Plan 4 is the Scottish student loan plan).