Private by design
UK net salary calculator · 2026/27

Calculate your net salary & take-home pay.

Use NetSlip’s free UK net salary calculator to see your real net pay after Income Tax, National Insurance, pension and student loan deductions — calculated instantly for every UK nation.

2026/27 rates England, Wales, NI & Scotland Instant — nothing saved
Salary details

Build your NetSlip

£
%
Before Income Tax and NI; also reduces student-loan earnings.
Enter the code exactly as shown on your payslip, for example 1257L, S1257L, BR, D0, 0T or K125. When enabled, the tax code controls the Income Tax allowance/rate instead of the allowance checkboxes below.
Adds £3,250 to your tax-free Personal Allowance
Adds £1,260 — transferred from a partner who earns less than the Personal Allowance
What your employer pays on top — 15% above £5,000, not deducted from your pay
Take-home pay
£0
per year
Gross pay£0
Income Tax−£0
National Insurance−£0
Net pay£0
Effective tax + NI
0%
Take-home rate
0%
Adjusted net income
£0
Your next £100
£0
kept after current deductions
NetSlip insight
Your pay position
Enter a salary to see what matters most at your income level.
Marginal deduction rate
0%
The share of the next £100 that does not reach take-home because of tax, NI, pension and loan deductions.
Pension tax advantage
£0
Add a pension contribution to see the tax/NI advantage.
Rates last checked for the 2026/27 tax year (6 April 2026). See all rates & sources → Browse by salary →
More than a payslip calculator

Your UK net salary, clearly explained.

NetSlip is a UK net pay calculator built for the number that matters: what actually reaches your bank account. Compare salary changes, pay rises, bonuses and second jobs using the same 2026/27 tax logic.

↗Required Salary Work backwards from the take-home pay you want. %Pay Rise Impact See exactly how much of a raise reaches you. +Bonus Calculator Estimate the tax impact before payday. ▦Salary Guides Browse take-home pay examples by salary. ☀Holiday Pay Estimate what your paid holiday should be worth. RRedundancy Pay Estimate your statutory redundancy payment under 2026/27 rules. £Benefits in Kind See what company cars, medical cover and other taxable benefits actually cost you in Income Tax.

How this is calculated

Your take-home pay is your gross salary minus Income Tax, National Insurance and — if you have one — student loan repayments. Here's how each piece works.

Income Tax

Worked out in bands. Everyone gets a tax-free Personal Allowance of £12,570 (shrinking by £1 for every £2 earned over £100,000, gone entirely at £125,140). Above that, England, Wales and NI pay 20%, 40%, then 45%. Scotland uses its own six-band system — which is why the two regions give different answers at the same salary.

National Insurance

Separate from Income Tax, and the same regardless of which UK nation you're in: 8% on earnings between £12,570 and £50,270, then 2% above that.

Student & Postgraduate loans

9% of everything you earn above your plan's threshold — not 9% of your whole salary. Postgraduate Loans are 6% above a separate £21,000 threshold, and if you have both, they're deducted independently, at once.

Pension tax relief

Choose salary sacrifice, net pay or relief at source. NetSlip models the different Income Tax, NI and student-loan treatment while keeping salary sacrifice as the simple default.

Net salary guides: Gross vs net salary · How net salary is calculated · Monthly take-home pay.

Rates and thresholds are for the 2026/27 tax year (6 April 2026 – 5 April 2027), cross-checked against HMRC, gov.scot and multiple independent sources. This calculator is provided for planning purposes — it doesn't account for every individual circumstance (including payroll history and some benefits), so treat it as a strong estimate, not a payslip guarantee. Advanced Options can apply common PAYE tax codes; W1/M1/X/NONCUM codes are annualised planning estimates.