Salary & Tax Deductions Calculator

🇬🇧 Free Tool · 2026/27 Tax Year
UK Salary & Tax Deductions Calculator: your real take-home pay for 2026/27
Enter your gross salary and pension contribution to see exactly what comes off for Income Tax and National Insurance — and what lands in your bank each month — using HMRC's 2026/27 rates and thresholds.
Pension contribution–
Personal allowance–
Income Tax–
National Insurance (Class 1)–
Take-home per year–
Take-home per week–

2026/27 rates this calculator uses

Band Income range Income Tax Employee NI
Personal allowance Up to £12,570 0% 0%
Basic rate £12,571 – £50,270 20% 8%
Higher rate £50,271 – £125,140 40% 2%
Additional rate Over £125,140 45% 2%

These thresholds have been frozen since 2021/22 and stay frozen — so every pay rise drags more of your salary into higher bands (the "fiscal drag" effect). Above £100,000 your personal allowance is withdrawn at £1 for every £2 of income, creating an effective 60% tax zone between £100,000 and £125,140. Pension contributions are one of the few clean ways out: they reduce taxable pay before the bands apply, which is why the calculator asks for them.

Scotland, student loans and other deductions

This calculator uses the rates for England, Wales and Northern Ireland; Scotland has its own income tax bands (though NI is UK-wide). Student loan repayments (9% above your plan's threshold, 6% for postgraduate loans), salary-sacrifice benefits, and childcare or cycle-to-work schemes would come off on top — your payslip's the final word. Self-employed? Your deductions work differently — see our combined UK tax calculator or limited company vs sole trader comparison.

Frequently asked questions

How much tax will I pay on a £45,000 salary in 2026/27?

Roughly £6,486 income tax and £2,594 National Insurance with no pension, leaving about £35,920 a year (£2,993/month). Add a pension contribution and the tax falls further.

Why does my take-home drop so sharply above £100,000?

Because the personal allowance is withdrawn £1 for every £2 above £100,000, the effective tax rate on that slice is 60% (plus 2% NI). Pension contributions that bring income back under £100,000 are extremely tax-efficient here.

Are the tax thresholds rising in 2026/27?

No — the personal allowance (£12,570) and higher-rate threshold (£50,270) remain frozen, and are due to stay frozen until at least April 2031.

Does this include student loan repayments?

No — plans differ (Plan 1, 2, 4, 5 and postgraduate all have different thresholds). As a rule of thumb, Plan 2 takes 9% of income above £28,470.

Paying more tax than you should?

FincSol Accountancy helps employees, directors, and the self-employed structure pay, pensions, and dividends tax-efficiently — and files your Self Assessment when HMRC wants one. Dedicated personal accountant. No long-term contract.

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Uses 2026/27 rates for England, Wales & NI with a standard 1257L-equivalent allowance; assumes pension contributions via net-pay/salary-sacrifice reducing taxable pay. Excludes student loans, benefits-in-kind, and Scottish rates. Guidance only — see gov.uk. Related: dividend tax calculator · holiday entitlement calculator.