UK Take-Home Pay Calculator 2026/27

The UK Take-Home Pay Calculator from UK Creative Ventures is a free web tool that calculates net pay for the 2026/27 tax year. Enter your gross annual salary, tax code, pension contribution, student loan plan and NI category to see annual, monthly, weekly and daily take-home figures, plus a full income breakdown showing income tax, National Insurance, student loan and pension deductions.

What is the UK Take-Home Pay Calculator?

It is a free online calculator that takes your gross salary and optional bonus, applies 2026/27 UK tax rules (income tax bands, NI thresholds, student loan repayment rates) and outputs your net take-home pay. It runs in any web browser and is provided by UK Creative Ventures, a Bristol-based business services company.

Key Features

• Income breakdown — Shows gross salary, income tax, employee NI, total deductions and annual/monthly/weekly take-home pay.
• Bonus calculator — Enter a bonus amount to see how much you keep after tax and NI, with effective bonus rate.
• Salary comparison — Compare two salary offers side by side, showing difference in take-home pay and percentage retained.
• Tax code options — Choose from 1257L, BR, D0, NT or K code to match your personal allowance.
• Student loan plans — Select from Plans 1, 2, 4, 5 or Postgraduate loan, each with correct thresholds and rates.
• NI categories — Supports Cat A (standard), Cat B (married women), Cat C (over State Pension age) and Cat M (under 21).
• Pension contributions — Enter a percentage; salary sacrifice option reduces NI.
• Pay frequency — View results as annual, monthly, weekly or daily (5-day week).

Who is it for?

• Employees — Check your take-home pay for a new job offer or salary negotiation.
• Job seekers — Compare two offers to see which gives you more net income.
• HR and recruiters — Quickly estimate net pay for candidates or staff.
• Freelancers and contractors — Estimate net income from a gross salary figure.

What can you do with it?

• Salary planning: Enter your gross salary and see exactly what you'll receive after all deductions.
• Bonus planning: Calculate how much of a bonus you'll actually keep after tax and NI.
• Offer comparison: Compare two salaries to see the real difference in monthly take-home pay.

How does it work?

Select your tax code, student loan plan and NI category, enter your gross salary and pension percentage, then click calculate. The tool applies 2026/27 income tax bands (personal allowance £12,570, basic rate 20% up to £50,270, higher rate 40% up to £125,140, additional rate 45%) and employee NI rates (8% between £12,570 and £50,270, 2% above). Results update instantly.

Pricing

Free to use, no sign-up required.

FAQ

Is the UK Take-Home Pay Calculator free?

Yes, it is completely free and requires no registration or sign-up.

Does it include Scottish income tax rates?

No, the calculator uses England, Wales and Northern Ireland rates. Scottish taxpayers have different rates and are not covered.

Can I include a student loan repayment?

Yes, you can select from Plans 1, 2, 4, 5 or Postgraduate loan, and the calculator applies the correct threshold and rate for 2026/27.

Does the pension contribution reduce National Insurance?

Yes, if you choose salary sacrifice, the pension contribution reduces your NI as well as income tax.

What tax codes are supported?

The calculator supports 1257L (standard), BR (basic rate, no allowance), D0 (higher rate, no allowance), NT (no tax) and K code (negative allowance).