MundoKit

UK take-home pay calculator for 2026/27

Enter annual salary and any qualifying pension deduction. See annual net pay, monthly and weekly averages, and a comparison with the other UK income tax schedule.

Inputs
GBP
One job, full tax year, salary only. Include cash bonuses.
GBP
Gross amount under net pay, or salary sacrificed. Assumes the amount qualifies for relief; pension limits are not checked.

Results

Estimated annual take-home
£39,519.60
Monthly average
£3,293.30
Personal Allowance
£12,570.00
Other region annual take-home
£38,023.55
2026/27 annual estimate and averages
ItemAnnualMonthly (÷12)Weekly (÷52)
Gross salary£50,000.00£4,166.67£961.54
Pension£0.00£0.00£0.00
Income tax£7,486.00£623.83£143.96
Employee NI£2,994.40£249.53£57.58
Take-home£39,519.60£3,293.30£759.99
  • Annual NI thresholds are used. Monthly and weekly figures are averages, not payslip calculations. Assumes standard allowance eligibility and category A NI.
  • Excludes student loans, benefits in kind, other income, tax-code adjustments, relief-at-source pensions and pension allowance charges. Salary sacrifice must be permitted by your employer.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.

How it works

This is a salary-only annual estimate for 6 April 2026 to 5 April 2027. Deduct the qualifying pension amount, reduce the Personal Allowance for adjusted income above £100,000, then apply the selected HMRC bands to income after the allowance. Each rate applies only to its band.

take-home = gross salary − pension − income tax − employee NI

Category A NI uses annual thresholds. A net pay pension reduces income tax; qualifying salary sacrifice also reduces NI earnings. Relief-at-source pensions are outside scope. Enter only contributions eligible for relief: this calculator does not check pension limits or minimum-wage restrictions.

The remaining tapered Personal Allowance is rounded up to whole pounds under Income Tax Act 2007 section 35(3). Other intermediate values are unrounded. Displayed money rounds to pennies. Monthly and weekly outputs divide annual results by 12 and 52; they do not implement tax codes, cumulative PAYE, or the separate payroll NI thresholds.

Worked examples

£50,000 in England, Wales or Northern Ireland

With no pension, taxable pay is £37,430. Income tax is £7,486 and annual NI is £2,994.40. Take-home is £39,519.60, or £3,293.30 a month on average.

The same £50,000 in Scotland

With no pension, Scottish income tax is £8,982.05 and NI remains £2,994.40. Annual take-home is £38,023.55: £1,496.05 less than the rest-of-UK estimate.

£2,500 salary sacrifice from £50,000

Outside Scotland, taxable salary before the allowance becomes £47,500. Income tax is £6,986 and NI is £2,794.40. Annual cash take-home is £37,719.60, with £2,500 directed to the pension.

Frequently asked questions

Why does this differ from my payslip?
PAYE uses your tax code and payment history. NI normally uses pay-period thresholds. This tool uses annual thresholds and divides the result into averages; bonuses and irregular pay can change the comparison.
What happens above £100,000?
The standard £12,570 allowance falls by £1 for every £2 of adjusted net income above £100,000 and reaches zero at £125,140. Here adjusted income is salary less the selected qualifying pension amount.
Which pension amount should I enter?
Use the gross employee contribution for a net pay scheme, or the salary given up under a qualifying salary-sacrifice arrangement. Do not enter a relief-at-source contribution: that method is not modelled.
Are student loans included?
No. Use the linked UK student loan repayment calculator separately. Benefits in kind, other income, marriage allowance and individual tax-code adjustments are also excluded.
Does Scotland have different National Insurance?
The category A NI schedule used here is the same. Scotland changes the income tax bands on salary, which is why the comparison holds gross salary and pension assumptions fixed.

Sources

Scottish income tax

Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.