UK take-home pay calculator 2026/27: salary after tax, pension salary exchange, and student loans

Yes. The default tax year is 2026/27, so you can use it as a UK salary calculator 2026 27 for take-home pay after Income Tax, National Insurance, pension, and student loan deductions.

Yes. Scottish tax bands are applied when you choose Scotland or enter a tax code that starts with S, and the calculator is built for UK take-home pay estimates.

Yes. The calculator supports undergraduate student loan plans, postgraduate loans, salary sacrifice, salary exchange, and three pension contribution treatments.

Yes. Enter your salary, pension percentage, pension method, student loan plan, and bonus to estimate payroll contributions and deductions for Income Tax, National Insurance, pension, and student loans.

Yes, if you mean final salary after tax and deductions. It estimates the final annual, monthly, and weekly take-home pay from a gross UK salary, but it is not a defined benefit final salary pension scheme calculator.

Yes. Choose Plan 1, Plan 2, Plan 4, Plan 5, and postgraduate loan options to estimate UK salary after tax with student loan repayments included.

Yes. Enter your pension percentage and choose salary sacrifice to estimate salary after tax with salary sacrifice, including the effect on taxable pay, National Insurance, and take-home pay.

It is designed as an annualised estimate using published UK thresholds for the selected tax year. Actual payroll output can vary because of payroll timing, benefits, or employer-specific settings.

Yes. The calculator annualises monthly pay by multiplying by 12 and weekly pay by multiplying by 52 before applying deductions.

Yes. Salary sacrifice, also called salary exchange, reduces both taxable pay and NI-able pay, while net pay reduces taxable pay only and post-tax pension does not reduce either calculation before deductions.

Yes. Choose salary sacrifice as the pension method to estimate salary exchange pension deductions and see the effect on take-home pay, Income Tax, and National Insurance.

This calculator currently includes 2025/26 and 2026/27 tax years, not 2019/20 thresholds. For a salary exchange calculator 2019/20 query, use this page to understand how salary exchange reduces taxable pay and National Insurance, then use the tax year selector only for current-year estimates.

The salary exchange method is still based on sacrificing gross pay before PAYE and National Insurance, but tax bands, allowances, NI thresholds, student loan thresholds, and pension settings have changed since 2019/20. Use the current tax year options for a current take-home pay estimate.

Yes. Bonus income is added to gross annual pay before tax, National Insurance, pension, and student loan deductions are calculated for your UK estimate.

Yes. Add the bonus amount, choose salary sacrifice as the pension method, and enter the pension percentage to estimate how bonus sacrifice affects taxable pay, National Insurance, student loans, and take-home pay.

Yes. The calculator is useful for comparing gross UK salary offers by converting each offer into annual, monthly, and weekly take-home pay using the same tax assumptions.

Yes. You can enter common UK tax codes such as 1257L, S1257L, BR, D0, D1, NT, or K codes to see how they change the estimate.

Yes. Enter the gross salary, keep the salary period as annual, and the calculator will show estimated yearly, monthly, and weekly take-home pay after PAYE deductions.