Enter your annual salary or hourly pay to estimate what reaches your bank account in the 2026 to 2027 tax year (6 April 2026 to 5 April 2027). Choose Scotland if you pay Scottish Income Tax.
This is an annual estimate. Payslips use weekly or monthly thresholds and a cumulative tax code, so they can differ by pennies.
Assumes tax code 1257L with the standard Personal Allowance taper, category A National Insurance, no salary sacrifice and no benefits in kind. Scotland uses the corresponding standard Scottish tax code. Pension percentages apply to all gross pay, not qualifying earnings.
With relief at source, you pay 80% of the gross contribution and the provider adds 20%. Any extra higher-rate relief must be claimed via Self Assessment and is not included in take-home pay.
Hourly pay assumes the same weekly hours for 52 paid weeks, with no overtime premium.
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No pension or loan repayments. Monthly take-home is annual take-home divided by 12; weekly figures divide by 52.
England, Wales or Northern Ireland
Annual salary (£)
Take-home pay — Per year
Take-home pay — Per month
£20,000.00
£17,919.60
£1,493.30
£25,000.00
£21,519.60
£1,793.30
£30,000.00
£25,119.60
£2,093.30
£35,000.00
£28,719.60
£2,393.30
£40,000.00
£32,319.60
£2,693.30
£45,000.00
£35,919.60
£2,993.30
£50,000.00
£39,519.60
£3,293.30
£55,000.00
£42,457.40
£3,538.12
£60,000.00
£45,357.40
£3,779.78
£65,000.00
£48,257.40
£4,021.45
£70,000.00
£51,157.40
£4,263.12
£75,000.00
£54,057.40
£4,504.78
£80,000.00
£56,957.40
£4,746.45
£85,000.00
£59,857.40
£4,988.12
£90,000.00
£62,757.40
£5,229.78
£95,000.00
£65,657.40
£5,471.45
£100,000.00
£68,557.40
£5,713.12
Scotland
Annual salary (£)
Take-home pay — Per year
Take-home pay — Per month
£20,000.00
£17,959.27
£1,496.61
£25,000.00
£21,559.27
£1,796.61
£30,000.00
£25,154.53
£2,096.21
£35,000.00
£28,704.53
£2,392.04
£40,000.00
£32,254.53
£2,687.88
£45,000.00
£35,523.55
£2,960.30
£50,000.00
£38,023.55
£3,168.63
£55,000.00
£40,807.35
£3,400.61
£60,000.00
£43,607.35
£3,633.95
£65,000.00
£46,407.35
£3,867.28
£70,000.00
£49,207.35
£4,100.61
£75,000.00
£52,007.35
£4,333.95
£80,000.00
£54,657.35
£4,554.78
£85,000.00
£57,307.35
£4,775.61
£90,000.00
£59,957.35
£4,996.45
£95,000.00
£62,607.35
£5,217.28
£100,000.00
£65,257.35
£5,438.11
How it works
Annual gross pay = annual salary, or hourly rate × weekly hours × 52. Deduct net pay pension and the tapered Personal Allowance before applying cumulative Income Tax bands. NI and loan repayments use gross pay. Take-home = gross − tax − NI − pension paid from pay − loan repayments.
Worked examples
£30,000 in England, Wales or Northern Ireland, with no pension or loans: Income Tax £3,486.00, NI £1,394.40 and take-home £25,119.60 a year (£2,093.30 a month).
£60,000 with a 5% net pay pension and Plan 2: pension £3,000.00, tax £10,232.00, NI £3,210.60, loan £2,755.35 and take-home £40,802.05 a year.
£30,000 in Scotland without pension or loans: tax £3,451.07 and take-home £25,154.53 a year.
Common questions
Why does my payslip differ?
This calculator applies annual thresholds. Payroll uses weekly or monthly thresholds, your tax code, cumulative earnings and payroll rounding. Bonuses, other income and tax code adjustments can also change deductions.
Which region should I choose?
Choose Scotland if you live in Scotland and pay Scottish Income Tax; it depends on where you live, not where you work. England, Wales and Northern Ireland use the same bands.
How do the two pension methods differ?
Net pay contributions reduce taxable pay. Relief at source contributions come from pay after tax, with basic-rate relief added by the provider. Both gross contributions reduce adjusted net income for the allowance taper. Extra higher-rate relief via Self Assessment is excluded.
Can I repay two student loans?
You can select one undergraduate plan and also a postgraduate loan. Each repayment is calculated separately on gross pay above its threshold; pension contributions do not reduce these repayments.
What happens above £100,000?
The Personal Allowance falls by £1 for every £2 of adjusted net income above £100,000, reaching zero at £125,140. This estimate reduces adjusted net income by the gross pension contribution under either pension method.
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