2026/27
Take-home pay calculator
Estimate UK take-home pay for 2026/27 after income tax, employee National Insurance, a pension contribution and a student loan.
Rates last checked on 9 November 2026.
Percentage of gross pay. Ignored when pension is set to none.
| A year | A month | A week | |
|---|---|---|---|
| Gross | £42,000.00 | £3,500.00 | £807.69 |
| Income tax | £5,886.00 | £490.50 | £113.19 |
| National Insurance | £2,354.40 | £196.20 | £45.28 |
| Student loan | £0.00 | £0.00 | £0.00 |
| Pension from pay | £0.00 | £0.00 | £0.00 |
| Take-home | £33,759.60 | £2,813.30 | £649.22 |
Each month · 2026/27
£2,813.30
- Take-home a year
- £33,759.60
- Income tax
- £5,886.00
- National Insurance
- £2,354.40
- Personal allowance
- £12,570.00
England and Northern Ireland. 20% on £29,430.00.
How this is worked out
This is for an employee with the standard personal allowance of £12,570. England, Northern Ireland and Wales use the same income tax rates in 2026/27: 20% on the first £37,700 of taxable pay, 40% up to £125,140 of taxable pay, and 45% above that. Scotland has its own bands, from 19% to 48%.
The personal allowance shrinks by £1 for every £2 of adjusted net income above £100,000, and it is gone at £125,140. Employee Class 1 National Insurance is 8% between £12,570 and £50,270, then 2%. Employer National Insurance is not deducted here.
A salary sacrifice pension is taken off pay before tax, National Insurance and the student loan. Relief at source leaves National Insurance and the student loan on the full salary. The pension scheme adds 20% basic-rate relief, and any extra relief above that is shown in take-home pay.
Student loan plans 1, 2, 4 and 5 are 9% of pay over the plan threshold. A postgraduate loan is 6% over £21,000 and can be added on top. Monthly and weekly figures are the annual result split by 12 and 52. A real payslip uses the pay-period thresholds and rounds the student loan down to the pound.
Questions
Other calculators
For guidance only. This is not financial advice, legal advice, or a mortgage offer. Check the original invoice, contract, or lender illustration before you rely on a figure.
Email me pay updates
The take-home figure stays in your browser. Leave an email if you want to hear when the tax tables change. This does not start an invoice chase.
Joining the list does not start a payment.