UK Salary Calculator
Use this UK salary calculator to estimate take-home pay, income tax and National Insurance for the 2026/27 tax year. Enter your annual salary, tax region, tax code, annual bonus and annual overtime, then open Additional fields if you want to model pension contributions, student loans, benefits, salary sacrifice and other deductions.
Your details
Additional fields
Main inputs stay visible for a simpler customer journey. Open Additional fields to fine-tune the result with optional deductions and adjustments.
Salary calculator UK: how to estimate your take-home pay
This page is designed to help customers understand how annual salary turns into take-home pay. The calculator starts with your gross annual salary, then adds bonus, overtime and any cash allowances. From there it adjusts for tax-free allowances, pension contributions, salary sacrifice and other selected deductions before calculating income tax, National Insurance and student loan repayments. The result is an estimated net pay figure for the year, month or week.
For most users, the only fields needed are annual salary, tax region, show results, tax code, annual bonus and annual overtime. The Additional fields tab is there for people who want a closer estimate based on pension, student loan, childcare vouchers, taxable benefits and similar adjustments.
What each field means
Annual salary (£)
This is your basic annual pay before tax and deductions. It is the starting point for all calculations.
Tax region
Select England, Wales and Northern Ireland for the standard UK tax bands, or Scotland for Scottish income tax bands.
Show results
This does not change annual tax. It only changes whether results are displayed yearly, monthly or weekly.
Tax code
Your tax code usually controls your personal allowance. A standard code such as 1257L normally gives a £12,570 allowance before income tax starts.
Annual bonus (£) and annual overtime (£)
These values are added to your gross earnings. Because UK income tax is progressive, extra income can move part of your pay into a higher tax band.
Additional fields
These optional inputs help refine the estimate. For example, a salary sacrifice pension can reduce income tax, NI and student loan calculations, while a net pay pension usually reduces taxable income but not NI.
Calculation formulas used by the calculator
The calculator follows a simplified employed-income model for the 2026/27 tax year.
The personal allowance also tapers once adjusted net income goes above £100,000, which can increase the effective marginal tax rate for higher earners.
Frequently asked questions
Why does bonus or overtime increase deductions so quickly?
Because income tax and NI are banded. Once earnings cross a threshold, the extra slice is taxed at a higher marginal rate.
Does a tax code change take-home pay?
Yes. A different tax code can increase or reduce your personal allowance, which changes the amount of income tax due.
Why are Additional fields hidden by default?
Most customers want a quick result first. Keeping optional fields inside a single expandable tab makes the page easier to use while still allowing a more detailed estimate when needed.
