What actually lands in your bank? Enter your salary, see income tax, National Insurance and the rest, updated live.
Take-home pay = salary − income tax − National Insurance − pension − student loan.
Income tax (England, Wales & NI): 0% on the first £12,570 (personal allowance), 20% to £50,270, 40% to £125,140, then 45%; in Scotland there are six bands, 19%, 20%, 21%, 42%, 45% and 48% so pick Scotland above to use them. The personal allowance is withdrawn £1 per £2 earned over £100,000. National Insurance (employee): 8% between £12,570 and £50,270, then 2%. Student loan: 9% of income above your plan's threshold (6% for postgraduate). Pension here is modelled as salary sacrifice, which cuts the tax and NI you pay.
Sources: gov.uk & HMRC (income tax, NI and student-loan thresholds, 2026/27). Figures are illustrative and assume a standard tax code with no other income, benefits-in-kind or allowances.
Illustrative only, not financial or tax advice. Assumes the standard personal allowance and tax code, and salary as your only income. Scottish rates and student loan plans are included, pick them above; benefits in kind and other allowances are not. Salary sacrifice has rules and limits (e.g. it can't take you below minimum wage). Always check your payslip and gov.uk, or speak to a qualified adviser.
See the full 2026/27 tax rates.