How this calculator works & sources ↓
Work out your take-home pay for 2026/27 after Income Tax and National Insurance — with Scotland's different bands built in properly.
This calculator is UK-specific — income tax systems vary too much between countries to share one tool, so there's no region switcher here.
Figures are based on HMRC and Scottish Government published rates for the 2026/27 tax year. Assumes a standard tax code.
Important: This is an annualised estimate for a standard employee, not a payroll or tax-code calculation. National Insurance and student loan deductions are assessed per pay period in practice, so actual payslips may differ. For “relief at source”, enter the amount actually deducted from take-home pay; pension provider top-ups and extra higher-rate relief are not calculated. Net pay and salary sacrifice are different arrangements. Special tax codes, benefits, other income, irregular pay and Scottish-specific circumstances may change the result. Check your payslip and official guidance.
Want to turn this into a full plan? Grab the free Budgeting Checklist — a checklist plus 3 worksheets to put these numbers to work.
Get the free checklist →Check whether the figure you're working from includes this — if not, remember to subtract any student loan repayment separately, since it comes out of your gross pay via PAYE.
We aim to keep tax bands and thresholds up to date, but always cross-check against HMRC's current rates if you're making a significant financial decision based on this figure.
Real payslips can differ due to pension contributions, benefits in kind, salary sacrifice schemes, or a different tax code than the standard assumption used here.
Salary sacrifice (and net pay arrangements) take the contribution out of pay before tax and National Insurance are worked out, so both are reduced. Relief at source takes the contribution out of take-home pay after tax and NI are calculated on the full salary — the pension provider then claims basic-rate tax relief and adds it to the pot, and higher or additional-rate taxpayers usually need to claim the rest back through Self Assessment.
Gross salary is not the amount that reaches your bank account. Income Tax, National Insurance and any pension or student loan deductions can affect net pay. Payroll arrangements, tax codes and circumstances vary, so compare this illustration with your actual payslip and the assumptions shown in the calculator.
Worth reading: Understand how salary sacrifice can affect take-home pay
Explore independent and official explanations alongside Life Figured’s illustrative tools.
External websites open in a new tab. Life Figured is independent and is not affiliated with, approved or endorsed by these organisations. Check current rules directly with the source.
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Estimates UK net pay using the tax-year rates encoded in the calculator, salary, region and deduction settings. It assumes the tax code and circumstances described in the form. Tax-year setting: UK 2026/27 (as stated in the calculator). Check the official sources for subsequent changes.
Sources and further reading: HMRC income tax · HMRC National Insurance · Scottish income tax