Enter your annual gross pay to estimate your Income Tax, employee National Insurance and take-home salary for 6 April 2026–5 April 2027.
Salary details
Employee Category A · Annualised NI · Standard allowance · 2026/27
Example for England: £35,000 gross salary gives approximately £4,486 Income Tax and £1,794.40 National Insurance, leaving £28,719.60 a year, before other deductions.
Enter your annual salary before any Income Tax and National Insurance deductions. For a regular salary, multiply your gross monthly salary by 12.
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Select the UK nation where you are taxed. Scottish non-savings income tax bands differ from England, Wales and Northern Ireland.
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Review Income Tax, the employee Class 1 NI estimate and the amount remaining over a year. Monthly figures are annual amounts divided by 12, not a simulated actual payslip.
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Check whether your tax code, pension contributions, salary sacrifice, bonuses, benefits, student loan, age or NI category change your real payroll calculation.
What this estimate does not include
Planning estimate only, not payroll advice. Assumes one employment, standard Personal Allowance and employee NI category A (under State Pension age). Does not model tax codes, pension contributions, salary sacrifice, savings/dividend income, student loans, benefits, bonuses or age/category exemptions. NI is annualised, not calculated period by period.
Common questions
Why is take-home pay lower than gross pay?
The estimate subtracts income tax and employee National Insurance. Your real payslip may have additional deductions, such as pension contributions or student loans.
Does this cover Scotland?
Yes, an explicit Scotland selector applies Scottish employment income tax rates. The employee NI rates remain UK-wide for this standard category.
Is this a monthly payroll or payslip calculator?
No. NI is estimated on annual thresholds and shown as an average per month. Actual payroll periods, bonuses and rounding can produce different amounts.
Official 2026/27 sources
Methodology and legislation should always be checked before relying on an estimate.
Use this calculator to plan a job change, compare salaries or prepare a household budget for the 2026/27 tax year. It separates Income Tax from employee National Insurance so you can see why a quoted annual salary is not the amount paid into your bank account.
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Understand gross salary, taxable pay and net pay
Gross salary is the amount agreed before tax and payroll deductions. The standard Personal Allowance is £12,570 for most people; the allowance gradually reduces when adjusted net income exceeds £100,000. Income Tax is charged in bands, so moving into a higher band does not mean your entire income is taxed at the higher percentage.
National Insurance is a separate employee contribution, calculated here for the usual Class 1 Category A worker under State Pension age. The calculator treats both taxes as annual amounts before dividing by twelve. This is not a calculation of the withholding shown on a particular payslip.
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A salary comparison you can calculate yourself
For an England employee on £35,000 of annual gross pay with the standard allowance, £22,430 is subject to income tax at 20%. That gives £4,486 Income Tax and £1,794.40 of standard employee NI: £28,719.60 annual net, or £2,393.30 averaged monthly.
Try £40,000 in the gross salary field and compare the difference between gross pay and the change in take-home. Then switch to Scotland and observe how Scottish employment-income bands alter Income Tax while the standard employee NI illustration stays the same.
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How to interpret the breakdown
The effective deduction percentage divides estimated Income Tax plus employee NI by gross salary; it is not your marginal tax rate. A marginal rate applies to the next portion of taxable earnings, whereas an effective rate averages the entire year's liability.
If your employer quotes monthly gross salary, multiply it by 12 before entering it. If your pay changes during the year, a full-year annualised scenario will not match each monthly payroll period. Bonuses and midyear changes require a more detailed forecast.
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Cases where this calculator should not be used alone
Pension salary sacrifice, student loan plans, Scottish or Welsh tax treatment of non-wage income, self-employment, directors' payroll, tax code adjustments and multiple jobs need more inputs than this page provides.
For a mortgage application use actual payslips and lender affordability rules, not this estimated monthly net figure. For tax reconciliation compare the HMRC Personal Tax Account and PAYE tax code with what your employer has deducted.
Educational planning only. Verify relevant official records and lender or tax documents before making decisions.