🔒 Runs entirely in your browser, nothing is uploaded or saved. Figures for the 2026/27 tax year (source: GOV.UK and gov.scot). Estimate for guidance only, not financial or tax advice.
| Gross salary | £0 |
| Pension contribution | £0 |
| Income Tax | £0 |
| National Insurance | £0 |
| Student loan | £0 |
| Take-home pay | £0 |
How to use it
- Type your gross salary (the figure before any deductions) and choose whether it's yearly, monthly or weekly.
- Pick where you live, Scotland has different Income Tax bands to the rest of the UK.
- Add a student loan plan and a pension percentage if they apply to you.
- Press Calculate to see your take-home pay a month, a year and a week, with a full breakdown of each deduction.
What the figures are based on
The calculator uses the 2026/27 tax year rates published by GOV.UK and, for Scotland, gov.scot: the £12,570 Personal Allowance (tapered above £100,000), Income Tax bands, and Class 1 employee National Insurance (8% between the primary threshold and the upper earnings limit, 2% above). Student loan repayments use the current Plan 1, 2, 4, 5 and Postgraduate thresholds. A pension figure is treated as a salary-sacrifice contribution that reduces the pay you're taxed on.
It's an estimate for guidance only, not financial or tax advice. Your actual payslip can differ, for example if you have a company benefit, a different tax code, or a workplace pension set up in another way. For anything important, check with your employer or HMRC.
Why this matters when you're job hunting
A headline salary and what you actually take home are two different numbers, and knowing the real figure helps you compare offers, negotiate, and budget with confidence. When you're weighing up roles, our team can help you think it through: Scout helps you target the right jobs, and the app is free to start.
Your career team, free to start
Wren, Scout, Ace, Juno and Cedar help you build your CV, decode job adverts, prepare for interviews, and stay steady through the ups and downs, free to start, no sign-up.
Try it free →Free to start, no card · one-off Week Pass £9.99 when you need more
Frequently asked questions
Is this take-home pay calculator free?
Yes, completely free, with no sign-up. It runs entirely in your browser, so nothing you enter is uploaded, saved or shared.
What does it work out?
Your take-home pay after Income Tax and National Insurance for the 2026/27 tax year, with optional student loan repayments and pension contributions. It shows the figure per month, per year and per week, plus a breakdown of each deduction.
Does it work for Scotland?
Yes, choose Scotland and it applies the Scottish Income Tax bands (starter, basic, intermediate, higher, advanced and top rates), which differ from the rest of the UK. National Insurance is the same UK-wide.
Is this financial advice?
No. It's a guidance estimate based on published 2026/27 rates. Your actual pay can differ depending on your tax code, benefits and pension arrangement, so treat it as a guide and check with your employer or HMRC for anything important.
Does it store my salary?
No. Everything runs locally in your browser and nothing is sent anywhere.
Written and reviewed by the Career Agenting System team at Culture & Clarity Limited · Last reviewed August 2026 · Our editorial standards