Enter your salary for a year, a month, a week or an hour. The calculator takes off Income Tax, employee National Insurance and any student loan repayments for the tax year 6 April 2026 to 5 April 2027, and shows your take-home pay for every period. It also works backwards: give the take-home pay you need and it finds the gross salary, to the penny. It covers England, Wales, Northern Ireland and Scotland.
Enter your pay and its period
Choose whether you start from gross pay or from take-home pay, enter the amount, and say whether it is per year, month, week or hour. Hours a week (37.5 by default) turn an hourly rate into a yearly salary: hourly rate × hours × 52.
Say where you live and how often you are paid
If you live in Scotland you pay Scottish Income Tax, with six bands from 19% to 48%; Wales and Northern Ireland use the same rates as England for 2026 to 2027. National Insurance and student loan repayments are worked out on each payday with monthly or weekly thresholds, so choose how often you are paid.
Add a student loan if you have one
Choose your plan: you repay 9% of your pay above £26,900 a year on Plan 1, £29,385 on Plan 2, £33,795 on Plan 4 and £25,000 on Plan 5. Tick Postgraduate Loan to add 6% of pay above £21,000. Each payday’s repayment is rounded down to the pound.
What is not included
The calculator assumes the standard 1257L tax code, National Insurance category A (most employees under State Pension age), and no pension contributions, salary sacrifice, benefits in kind or Marriage Allowance. Pension contributions taken from your pay lower your take-home pay further. If you repay loans on two different plans, payroll uses the lowest threshold; this calculator takes one plan.
Gross pay for the year = monthly pay × 12, weekly pay × 52, or hourly rate × hours a week × 52.
Personal Allowance = £12,570, less £1 for every £2 of income over £100,000.
Income Tax = 20% on the first £37,700 of taxable income, 40% up to £125,140 and 45% above (Scotland: 19%, 20%, 21%, 42%, 45% and 48%).
National Insurance on each payday = 8% of pay between £1,048 and £4,189 a month (£242 and £967 a week), plus 2% above.
Student loan on each payday = 9% of pay above the plan’s threshold (Postgraduate Loan: 6%), rounded down to the pound.
Take-home pay = gross pay − Income Tax − National Insurance − loan repayments.
Example: £33,000 a year, paid monthly, on a Plan 1 student loan
Taxable income is £33,000 − £12,570 = £20,430, so Income Tax is £20,430 × 20% = £4,086. Each month, National Insurance is (£2,750 − £1,048) × 8% = £136.16, and the student loan is (£2,750 − £2,241.66) × 9% = £45.75, rounded down to £45, the same figure as GOV.UK’s own Plan 1 example. Over the year that is £1,633.92 and £540, which leaves take-home pay of £26,740.08, or £2,228.34 a month.
