Comparing a job offer / checking a payslip?
Work out take-home after income tax, National Insurance, student loan and pension for the 2026/27 tax year. England, Wales and Northern Ireland by default; Scotland uses its own bands. Illustrative only.
POSITIONING
Tax bands, National Insurance, student loan and how your pension is taken often move the number more than the offer letter suggests. Run the illustration before you compare two jobs.
Calculate take-homeNot a tax adviser, accountant or FCA-authorised firm. We do not file returns or recommend products.
Outputs are scenarios with stated 2026/27 assumptions. Check your P60, payslip and HMRC Personal Tax Account.
Income tax: England, Wales & NI share the main rates. Scotland uses separate bands on non-savings, non-dividend income.
CALCULATOR
Personal allowance £12,570; tapered by £1 for every £2 of income above £100,000. Employee NI 8% then 2%. Last checked September 2026.
Estimated take-home, 2026/27
| Gross used | — |
|---|---|
| Personal allowance in this run | — |
Income tax slices
Method: annual PAYE-style stack. Income tax on pay after personal allowance and any modelled pension relief. Employee Class 1 NI at 8% between £12,570 and £50,270 and 2% above, modelled on the year rather than each pay period. Student loan as a percentage of earnings above the plan threshold.
Illustrative only — not a tax calculation you can file, not personalised advice, not an offer of credit. Blindness, marriage allowance, tax codes other than a standard 1257L, the High Income Child Benefit Charge, savings and dividends are omitted.
EXAMPLE WORKED CASE — £35,000 IN ENGLAND
£35,000 · no pension · no student loan · rest of UK
Taxable pay after the £12,570 allowance is £22,430. Basic-rate tax is 20% of that (£4,486). Employee NI on the slice between £12,570 and £35,000 is 8% (£1,794.40). Illustrated take-home is £28,719.60 a year, £2,393.30 a month.
Each guide uses a worked example and links back to the calculator. Last checked September 2026.
Gross versus packet once basic-rate tax and NI have taken their slice.
GUIDEWhy two 5% pensions do not leave the same amount in the bank.
GUIDESame headline salary, different income-tax stack. NI does not change.