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Your Take Home

UK take-home pay calculator with household deductions — 2026/27

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Your salary

£
Default 1257L (£12,570 personal allowance). BR = all basic rate, NT = no tax.
£
One-off annual payments (year-end bonus, sales commission, etc.). For weekly overtime hours, use the section below.

Regular overtime

hrs
UK full-time default is 40h. NHS staff: 37.5h. Firefighters: 42h.
£0.00
Annual salary ÷ (52.143 × hours/week).

Average hours per week at each rate (leave blank if none):

hrs/wk
hrs/wk
hrs/wk
hrs/wk

Pension & salary sacrifice

%
£
Cycle to work, EV car lease, childcare vouchers etc. Reduces gross before tax AND NI.

Student loan

Your household costs (post-tax)

Enter your typical monthly bills. The calculator subtracts the total from your net take-home to show what's left to save or spend.

Take-home pay

Gross Annual
—
Net Annual
—
Net Monthly
—
Effective Tax Rate: —
Component Annual Monthly
Bookmark this page to save your scenario

All your inputs (salary, pension, overtime, deductions) are stored in this page's URL — bookmarking saves the exact scenario so you can return to it any time.

— ?
Estimate indicative mortgage borrowing
—
Range: 4.0× to 4.5× annual gross income — the typical loan-to-income range UK lenders use (post-2014 MMR rules). Some cap at 4.0×, others stretch to 4.5× for higher earners or smaller deposits. Affordability also depends on outgoings, credit, deposit, and rates — this is an indicative range, not a quote.

💑 Buying with a partner? Open the joint household calculator →
Add your partner's take-home pay (from any UK take-home calculator in the network) to see your combined gross + net + joint mortgage borrowing capacity (4.0× to 4.5× combined gross).

FAQ

How is take-home pay calculated in the UK?
Take-home pay = gross salary - income tax - National Insurance - pension - student loan - any other pre-tax deductions. For 2026/27 the personal allowance is £12,570, basic-rate band ends at £50,270, higher-rate band ends at £125,140. Above £100,000 the personal allowance tapers by £1 for every £2 of income; it's fully gone at £125,140.
What does 'disposable income' mean here?
Disposable income on this calculator means your take-home pay minus the household costs you enter — rent or mortgage, council tax, utilities, childcare, subscriptions, insurance, loan repayments, anything else. It's the money you have left to save or spend on non-essentials. This is a more useful number than gross or even net pay if you're budgeting in a high-cost-of-living area.
Should I include my pension as pre-tax or post-tax?
Most UK workplace pensions are net pay arrangement — the contribution comes off your gross salary before income tax. Choose Pre-tax for these. If your pension is taken from net pay and reclaimed via tax relief (called relief at source, common for SIPPs and some personal pensions), choose Post-tax. Salary sacrifice schemes always reduce gross pay before both tax and NI — use the separate Salary Sacrifice field for those.
Which student loan plan am I on?
  • Plan 1 — Started English / Welsh course before Sep 2012, or any Northern Ireland student. Threshold £26,065/year.
  • Plan 2 — Started course Sep 2012 to Aug 2023 in England or Wales. Threshold £27,295/year.
  • Plan 4 — Any Scottish student. Threshold £31,395/year.
  • Plan 5 — Started course Aug 2023 onward in England. Threshold £25,000/year.
  • Postgraduate Loan — Postgrad Masters or PhD loan. Threshold £21,000/year, repaid at 6% (others repay at 9%).
If you've finished repaying, choose None.
Does this work for Scottish income tax?
Yes — toggle Country to Scotland. Scottish tax has 6 bands (Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Advanced 45%, Top 48%) instead of England/Wales/NI's 3 bands (Basic 20%, Higher 40%, Additional 45%). National Insurance thresholds and the personal allowance are the same UK-wide.
Are my numbers stored anywhere?
No. Everything runs in your browser — nothing is sent to a server, nothing is logged. Refresh the page and the figures are gone. If you want a sharable copy, use the browser's Print → Save as PDF.

Get notified about UK tax-year changes

Personal allowance, NI thresholds, student loan rates — we'll email when something material changes.

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