Take-Home Pay Calculator 2026/27
See exactly what lands in your pocket after income tax and National Insurance for the 2026/27 tax year — updated instantly as you type.
How your take-home pay is worked out
For 2026/27 you pay no income tax on the first £12,570 (your personal allowance), 20% up to £50,270, 40% up to £125,140 and 45% above that. Employee National Insurance is 8% between £12,570 and £50,270 and 2% on earnings above.
Earn over £100,000 and your personal allowance shrinks by £1 for every £2 of income — the calculator handles this automatically. Want to keep more of it legitimately? Talk to our accountants.
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Frequently asked questions
It uses the official 2026/27 rates: u00a312,570 personal allowance, 20%/40%/45% income tax bands and 8%/2% employee National Insurance. It gives a close estimate for standard tax codes, though benefits, student loans or pension contributions can change your exact figure.
Yes u2014 self-employed mode applies Class 4 National Insurance at 6% and 2% instead of employee NI, the same way HMRC taxes sole trader profits.
The calculator tapers your personal allowance automatically u2014 you lose u00a31 of allowance for every u00a32 earned above u00a3100,000, creating an effective 60% band up to u00a3125,140.