UK take-home pay calculator
Explore a salary, the Scottish income-tax difference, pension salary sacrifice and loan repayments. Compare annualised 2026/27 scenarios privately, in pounds.
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Tax year 6 April 2026 to 5 April 2027. One resident employee, one job all year, standard Personal Allowance eligibility and category A employee NI, under State Pension age. NI and student-loan charges use annual-threshold planning proxies. Actual PAYE, period deductions, other income, benefits and complete tax returns are outside this model.
Your earnings
2026/27 / GBPChoose your taxpayer region for the full year. It is not necessarily where your employer is based. Residence status and eligibility are not determined.
Changes the display only. NI and loan estimates use annual thresholds, without actual pay dates or period deductions.
Bonus, pension sacrifice and deductions
Only an agreed registered-pension salary-sacrifice arrangement. £60,000 is a model cap, not your pension allowance. Minimum-wage eligibility, allowance charges and employer additions are not checked. Other pension methods are excluded.
Reduces spendable pay without changing tax, NI or loan wage bases. Do not use this field to model other pension methods or pre-tax benefits.
Student and postgraduate loans
Choose one plan only, already in repayment for the whole year. The plan is not inferred from your current region. Multiple plans and loan balances are excluded.
These annualised estimates do not reproduce payroll’s pay-period thresholds or whole-pound rounding. Loans are not capped at an outstanding balance; start/stop notices, payoff dates and refunds are excluded.
Your annual pay, explained
Assumptions£3,293.30 GBP
DollarMath provides calculators and information for educational purposes. It does not provide financial advice. Read the disclaimer.
England income-tax bands. One resident employee, one job all year, standard Personal Allowance eligibility, under State Pension age and category A NI. NI and loan figures are annual-threshold proxies, not payslip deductions. PAYE codes, other income, benefits and final tax/refund calculations are excluded.
Where the annual pay goes
GBP / year- Estimated spendable pay
- £39,519.60
- Income-tax schedule estimate
- £7,486.00
- Annualised employee NI estimate
- £2,994.40
- Annualised student-loan estimate
- £0.00
- Annualised postgraduate-loan estimate
- £0.00
- Agreed pension salary sacrifice
- £0.00
- Entered after-tax deductions
- £0.00
Cash wages after agreed sacrifice: £50,000.00. Income after the Personal Allowance: £37,430.00. The allowance reduces taxable income; it is not cash deducted. No pension deduction is included unless entered as a supported salary-sacrifice arrangement.
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Check the income-tax bands
Income-tax schedule calculation
| Income after allowance | Rate | Income in band | Tax in band |
|---|---|---|---|
| Over £0.00 through £37,700.00 | 20% | £37,430.00 | £7,486.00 |
| Over £37,700.00 through £125,140.00 | 40% | £0.00 | £0.00 |
| Over £125,140.00 | 45% | £0.00 | £0.00 |
What does a £50,000 UK salary leave in 2026/27?
In England, Wales or Northern Ireland, the supported £50,000 cash-wage example has £37,430 income after the £12,570 Personal Allowance, £7,486 income tax and £2,994.40 annualised employee NI. With no pension sacrifice, loan estimates or other deductions, it leaves £39,519.60 annually, or £3,293.30 per monthly average. Scotland uses separate bands: £8,982.05 income tax leaves £38,023.55, or £3,168.63 monthly, with the same NI proxy. NI and loan estimates use annual thresholds; these are not actual PAYE payslips or complete tax-return results.
Reviewed October 25, 2026 by DollarMath. Educational estimates. Sources and calculation scope.
Common questions
Are the £3,293.30 and £3,168.63 examples actual monthly payslips?
No. They divide annual planning estimates by 12. The £50,000 example leaves £39,519.60 in England/Wales/Northern Ireland or £38,023.55 in Scotland with the included annual NI proxy and no optional deductions. Actual PAYE codes, period NI thresholds, loan rounding, bonus timing and other circumstances can produce different payslips or final tax.
Does Scotland use different income-tax rates?
Yes. The reviewed 2026/27 non-savings income bands use 19%, 20%, 21%, 42%, 45% and 48% for Scotland. England, Wales and Northern Ireland use the shared 20%, 40% and 45% bands in this model. Choose your taxpayer region for the full year; it is not inferred from an employer’s location. Residence eligibility, split-year and cross-border cases are excluded.
How is the Personal Allowance reduced above £100,000?
The model starts with £12,570 and reduces it by half the adjusted-net-income excess above £100,000, rounding the remaining allowance up to a whole pound. It reaches zero at £125,140. Here adjusted net income is cash salary and bonus after supported pension salary sacrifice, because other income, benefits, Gift Aid and other adjustments are excluded. PAYE tax codes are not calculated.
Can I enter ordinary pension contributions as salary sacrifice?
No. Use this field only for an agreed reduction in cash salary/bonus in exchange for an employer contribution to a registered pension. The model reduces its tax, NI and loan wage bases by that amount and shows pension money separately. Net-pay and relief-at-source employee contributions need different treatment. The £60,000 model cap does not determine your pension allowance, minimum-wage eligibility or allowance charges.
Which student-loan plans are supported?
One selected Plan 1, 2, 4 or 5, with an optional separate postgraduate loan, assumed already in repayment all year. Annual proxies use 9% above the selected plan threshold and 6% above the postgraduate threshold, rounded to pence. They do not reproduce earnings-period thresholds or payroll’s whole-pound loan deductions. Multiple plans, outstanding balances, start/stop notices, refunds, eligibility and lifetime loan costs are excluded.
What is outside this UK salary estimate?
It assumes one resident employee, one employer, cash wages only, standard Personal Allowance eligibility, under State Pension age and category A employee NI. Other NI categories, directors, self-employment, other income, taxable benefits, special allowances, Child Benefit and pension allowance charges, actual payroll and final refunds are excluded. Bonus comparisons keep the entered sacrifice and deductions fixed; they are annual scenario differences.
Can I save plans or use my results in Excel or Google Sheets?
Yes. Save named plans in this browser without an account, then reopen, compare, rename or duplicate them. JSON backups can restore editable plans after local validation and a review step. Download a spreadsheet for typed inputs, results and detailed schedules where available, then open it in Excel or import it into Google Sheets yourself. Workbooks are snapshots, not live calculator formulas. Plans and files are not encrypted; clearing browser data can remove device plans. Nothing is automatically uploaded or synchronized.
The rules behind the estimate
Version gb-employment-2026-27-v1/annual-wage-v1. Checked October 25, 2026; review due November 25, 2026. Sources and scope. Download reviewed parameters.
Region and supported income
Choose your taxpayer region for the full year. England, Wales and Northern Ireland use the reviewed shared non-savings income bands; Scotland uses its own bands. The model assumes eligibility for the standard Personal Allowance, one employer, category A employee NI and cash salary/bonus only. It does not determine residence status or use an employer’s location as a residence test.
Other jobs, self-employment, savings/dividends, taxable benefits, Gift Aid, marriage/blind allowances, Child Benefit charges, pension allowance charges, split-year and cross-border cases are excluded. Under State Pension age is a scope assumption, not an age test. Directors and other NI categories need different payroll treatment.
Personal Allowance and the income-tax bands
Salary and bonus are rounded separately to pence, then combined. Subtract the agreed eligible pension salary sacrifice to obtain the model’s cash wages. With no other income or adjustments, these also form the adjusted-net-income assumption. Start with the £12,570 Personal Allowance, reducing it by half the excess above £100,000. Round any remaining allowance up to a whole pound and floor it at zero. It reaches zero at £125,140.
Subtract the allowance, then tax only the income in each reviewed band. England/Wales/NI start at 20%, then 40% and 45%; Scotland uses 19%, 20%, 21%, 42%, 45% and 48%. The expanded table shows band endpoints after the allowance, income allocated and each pence-rounded tax charge. This is a schedule estimate, without PAYE codes, cumulative tax periods or tax-return income-rounding conventions.
Annualised NI is an estimate, not payroll
The category A planning proxy applies 8% to cash wages between the £12,570 annual primary threshold and £50,270 upper earnings limit, then 2% above that. Each component is rounded to pence. Actual employees normally have earnings-period thresholds and rounding. Bonus timing, irregular wages and partial years can therefore produce different totals. Employer NI is not deducted from employee take-home and is not calculated.
Pension salary sacrifice has a specific meaning
Only enter an agreed reduction of cash salary/bonus in exchange for an employer contribution to a registered pension. In this supported model it reduces cash wages for income tax, NI and loan proxies. It is subtracted once from spendable pay and shown separately as pension money. Employer additions, ordinary employee contributions under net-pay or relief-at-source arrangements, benefits and other salary-sacrifice types are excluded.
The £60,000 maximum is a model cap. It does not establish your annual allowance, available carry-forward, minimum-wage eligibility or whether allowance charges apply. Confirm the arrangement and its limits with your employer and pension provider. Other entered after-tax deductions reduce cash only, without changing any wage base.
Student and postgraduate loan proxies
Select one plan already in repayment for the full year; the current tax region does not identify your plan. The proxy applies 9% above the selected annual threshold: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795 or Plan 5 £25,000. A separately selected postgraduate proxy adds 6% above £21,000. Both use cash wages after the supported pension sacrifice, before tax and other cash deductions.
Charges are rounded to pence annually. Payroll instead uses earnings-period rules and whole-pound loan deductions. Outstanding debt, repayment eligibility, multiple undergraduate plans, start/stop notices, overseas rules, interest, write-offs, payoff dates and refunds are not calculated. Lower annual modelled repayments do not establish a lower lifetime cost.
Reconciled examples and average views
At £50,000 with no optional deductions, England/Wales/NI taxable income is £37,430. Income tax is £7,486 and annualised NI is £2,994.40, leaving £39,519.60, or £3,293.30 per monthly average. Scotland’s band charges are £753.73 + £2,597.80 + £2,968.56 + £2,661.96 = £8,982.05. With the same NI proxy, that leaves £38,023.55, or £3,168.63 per monthly average. Separate Decimal arithmetic and boundary fixtures check the examples.
Averages divide the annual spendable result by 1, 12, 13, 26 or 52 and round to pence. Changing the view does not recalculate NI or loans using period thresholds. Bonus comparisons hold sacrifice and entered deductions constant and show an annual scenario difference, not a bonus payslip. Pension money is separate from spendable cash. Plans, JSON backups and Excel snapshots use isolated gb:income storage and contain all scenario inputs.
Primary references
- HMRC: 2026/27 income bands, Class 1 NI and loan thresholds
- HMRC: Personal Allowance and adjusted-net-income taper
- HMRC: 2026/27 Scottish non-savings income bands
- HMRC Tax Logic: Whole-pound Personal Allowance reduction
- HMRC: Agreed pension salary sacrifice and eligibility limits
- GOV.UK: Loan thresholds, rates and period deduction examples
- HMRC: Student/postgraduate repayment wage bases and employer instructions