Take-Home Pay Calculator
See exactly how much of your salary you keep after tax and National Insurance
Take-home pay
£0
Income Tax
£0
National Insurance
£0
Class 1 employee NI
Effective rate
0%
Where your salary goes
You keep
Deducted through PAYE
Income Tax
National Insurance
Total deductions
Gross salary
Amount
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Your pay by period
The same salary broken down per year, month, week and working day (based on 260 working days).
| Period | Gross | Income Tax | National Insurance | Take-home |
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Frequently Asked Questions
How is take-home pay calculated?
Your take-home pay is your gross salary minus Income Tax and National Insurance contributions. Income Tax is calculated on earnings above your Personal Allowance (£12,570 for 2026/27) at rates of 20%, 40%, and 45%. National Insurance is 8% on earnings between £12,570 and £50,270, then 2% above that.
What is the Personal Allowance?
The Personal Allowance is the amount you can earn tax-free each year. For 2026/27 it is £12,570. If you earn more than £100,000, your Personal Allowance is reduced by £1 for every £2 above £100,000, reaching zero at £125,140.
How much National Insurance will I pay?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above £50,270 (2026/27 rates). NI is worked out separately from Income Tax, so both deductions apply to the same salary.
Does this calculator include pension contributions?
No. This calculator shows deductions for Income Tax and National Insurance only. Pension contributions, student loan repayments, and other deductions will reduce your take-home pay further. Contact your employer or a qualified accountant for your exact take-home figure.
Why does my actual pay slip differ?
Your payslip may include additional deductions such as workplace pension contributions, student loan repayments, childcare vouchers, or salary sacrifice schemes. Your tax code may also differ from the standard code if you have benefits in kind or other income.