Free calculator · 2026/27 rates
Take-Home Pay Calculator
The HMRC headline number says one thing; what arrives in your account says another. Enter your gross salary and the calculator returns annual, monthly and weekly net pay for 2026/27, with income tax, employee NI, student loan plans, and any salary-sacrifice pension contributions all factored in.
Ask an accountant about your figureTake-Home Pay Calculator
The HMRC headline number says one thing; what arrives in your account says another. Enter your gross salary and the calculator returns annual, monthly and weekly net pay for 2026/27, with income tax, employee NI, student loan plans, and any salary-sacrifice pension contributions all factored in.
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Free Sole trader and self-employment tool
Calculate your take-home pay as a sole trader
Our interactive tool is designed for a larger screen. Leave your details and a specialist will send your figure and the next sensible step, with no obligation.
How this works
The calculator applies the standard 2026/27 personal allowance of £12,570 (tapering above £100,000), the three income tax bands, and employee NI at 8% on earnings between £12,570 and £50,270 plus 2% above. Salary-sacrifice pension contributions are deducted before tax and NI are calculated, so they save you both.
Student loan deductions are added if you select a plan. The model assumes a standard tax code (1257L), no taxable benefits in kind, no other income, and that you are paid through PAYE.
Worked example: on a gross salary of £45,000 with no pension or student loan, the personal allowance covers the first £12,570, leaving taxable income of £32,430. Income tax at 20% basic rate is £6,486. Employee NI at 8% on £32,430 (the band from £12,570 to £45,000) is £2,594. Total deductions are £9,080, leaving annual take-home pay of £35,920 (£2,993 per month, £691 per week). The combined income tax and NI effective rate is 20.2% of gross.
Free consultation
Numbers are one thing. Getting the timing right is another.
Every figure here is modelled on standard 2026/27 thresholds. Your actual position depends on prior-year usage, pension carry-forward, other income, and how your decisions interact. A free call gets that read properly.
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