What this take-home pay calculator includes
This calculator estimates PAYE income tax, employee National Insurance, salary sacrifice pension contributions and optional student loan deductions. It is designed for employees in England, Wales and Northern Ireland using the 2026/27 tax year.
Example salaries to test
Try £35,000, £60,000 or £90,000 using the quick buttons. The quick buttons now always switch back to annual salary mode first, so a £90k button cannot be mistaken for a £90,000 hourly rate.
More salary examples
Extra annual salary examples are tucked away here to keep the main calculator page clean. These buttons still use annual salary mode, not hourly mode.
Frequently Asked Questions
Which tax year does this calculator use? +
It uses the 2026/27 UK tax year for England, Wales and Northern Ireland estimates.
Does salary sacrifice reduce National Insurance? +
In this calculator, yes. The pension percentage is treated as salary sacrifice, so the reduced cash pay is used for both income tax and employee National Insurance estimates.
Does this include Scottish income tax? +
No. Scottish income tax rates and bands are different and are not included in this version.
Why might my payslip be slightly different? +
Payroll systems use pay-period thresholds, tax codes and rounding rules. This calculator gives a strong annual estimate, not payroll advice.