UK Take-Home Pay Calculator
Your real monthly pay after income tax, National Insurance, workplace pension and student loan — 2026/27 rates.
Monthly Take-Home Pay
£0
Monthly Gross£0
Pension (before tax & NI)−£0
Income Tax−£0
National Insurance−£0
Student Loan−£0
Annual Take-Home£0
Pension is modelled as salary sacrifice, reducing both tax and NI — the most efficient setup; net-pay or relief-at-source schemes differ slightly. Auto-enrolment minimum is 8% of qualifying earnings (5% you + 3% employer, not shown). Student loan repayments only kick in above your plan's threshold and stop when the loan clears. Scotland's income tax bands differ. Estimates only.