Income Tax, National Insurance, and student loan repayments — calculated correctly for England, Wales, Northern Ireland, or Scotland. No signup, nothing stored, updates as you type.
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.
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.
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.
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.
Comes off your gross pay before Income Tax and National Insurance are calculated — which is why it reduces your taxable income, not just your take-home.
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 (benefits in kind, multiple jobs, non-standard tax codes), so treat it as a strong estimate, not a payslip guarantee.