Use the United Kingdom Take Home Pay Calculator to convert annual, monthly, weekly, daily or hourly gross pay into an estimated 2026/27 take-home amount. Add bonus or overtime, choose a tax region and include common payroll deductions.
Enter your pay details
Annualised estimate using the standard Personal Allowance and employee NI category A. Payroll-period rounding may produce a slightly different payslip.
What is the United Kingdom Take Home Pay Calculator?
This calculator is designed for users who know their pay in different frequencies. A monthly salary, weekly wage, daily rate or hourly rate is annualised first. Annual bonus or overtime is then added before estimated Income Tax, employee National Insurance, salary-sacrifice pension and selected education-loan deductions are applied.
The highlighted result converts estimated annual take-home pay back to the frequency you selected. This makes it useful when comparing job offers, shifts or contract rates.
How regular pay is annualised
| Selected frequency | Annual conversion |
|---|---|
| Annual | Entered amount |
| Monthly | Amount × 12 |
| Weekly | Amount × 52 |
| Daily | Amount × 260 working days |
| Hourly | Rate × hours per week × 52 |
Take-home pay = gross pay − pension sacrifice − Income Tax − employee NI − loan deductions
2026/27 tax and National Insurance assumptions
The standard Personal Allowance is £12,570. It reduces by £1 for every £2 of adjusted income above £100,000 and reaches zero at £125,140. England, Wales and Northern Ireland use the main 20%, 40% and 45% Income Tax rates, while Scotland uses separate employment-income bands.
Employee National Insurance for standard category A is estimated at 8% between £12,570 and £50,270, then 2% above £50,270. The calculator treats the pension percentage as salary sacrifice, reducing pay used for Income Tax, NI and loan estimates.
Student and postgraduate loan assumptions
The calculator supports Plans 1, 2, 4 and 5 plus an optional postgraduate loan. Repayments are annualised using the 2026/27 thresholds. Real payroll applies thresholds and rounding by pay period, so the figure can differ slightly from an actual payslip.
Worked example
Suppose regular pay is £3,000 per month and annual bonus is £2,000. Annual gross pay is £38,000. With no pension or student loan in England, Wales or Northern Ireland, estimated Income Tax is £5,086 and employee NI is £2,034.40. Estimated annual take-home pay is £30,879.60, or £2,573.30 per month.
What is not included?
- Non-standard tax codes or prior PAYE adjustments
- Benefits in kind and employer National Insurance
- Irregular payroll timing or separate bonus-period treatment
- Child Benefit charge, dividends, savings or property income
- Court orders and other employer-specific deductions
Official sources
Related UK calculators
Frequently asked questions
Can I enter monthly or weekly pay?
Yes. Select the matching frequency and enter the regular gross amount for that frequency.
How is hourly pay converted?
The hourly rate is multiplied by weekly hours and then by 52 weeks.
Can I add bonus or overtime?
Yes. Enter the expected combined annual bonus or overtime amount.
Does it support Scottish Income Tax?
Yes. Select Scotland to apply the 2026/27 Scottish employment-income bands.
Why can my payslip differ?
Tax codes, payroll rounding, pay dates, pension method and other deductions can change the actual result.
Important: Results are planning estimates, not an HMRC assessment or payroll statement.