What will you take home after tax?
Turn your gross salary into estimated net pay. See income tax, National Insurance, pension and student-loan deductions—and how much of a pay rise you would keep.
2026/27 tax year: 6 April 2026 to 5 April 2027 · UK employees · By Matthew Hunt
Your take-home estimate
Enter a salary and calculate your estimate.
These salary-view figures are annual averages. Use the next-payslip section for a monthly payroll forecast. The allowance is calculated from annual income, rather than a custom PAYE tax code.
Your tax breakdown
Compare pay periods
Calculations use unrounded annual values, displayed to the nearest penny. Student-loan estimates do not apply payroll’s per-period whole-pound rounding.
How to use this net pay calculator
Enter your salary as an annual, monthly, weekly or hourly amount and select your tax region. For hourly pay, provide paid hours and weeks; for weekly pay, provide paid weeks. Choose a display period, then add any supported workplace pension or loan deductions. To compare a proposed pay rise, enter the annual increase—not the new total salary.
The result separates your gross salary, income tax, employee National Insurance, pension and loan repayments. The tax breakdown shows how much income falls into each band, so you can see the calculation behind your net pay.
What is net pay?
Gross pay is your salary before deductions. Net pay is what remains after deductions. This calculator estimates the amount left after the options you select; your payslip may include other deductions or adjustments that are not modelled here.
Why can a pay rise change your tax rate?
Income tax is banded: crossing a threshold does not put your entire salary into a higher band. Above £100,000 of adjusted net income, however, the Personal Allowance also reduces. That can increase the tax cost of extra earnings. The comparison keeps your pension amount unchanged so you can isolate the estimated effect of the rise.
Explore the pension side with our employee pension tax relief calculator, or read Joe’s illustrative Haywards Heath pension example.
Why might this differ from your payslip?
This is an annual planning estimate for one employment held throughout the year. The annual estimate uses the standard allowance and annualises any bonus or overtime total. For custom or emergency tax codes, payrolled benefits and a particular month’s bonus, use the next-payslip section. Other income, multiple undergraduate loan plans, attachment orders and special tax reliefs remain outside this model. National Insurance and loan deductions normally depend on each pay period, so uneven earnings can produce a different result.
Standard employee NI or an NI exemption can be selected; other NI categories are not modelled. Loan estimates ignore your outstanding balance, repayment start/stop dates and refunds. This is not payroll software or an HMRC tax calculation.
How are pensions handled?
Salary sacrifice reduces the cash salary used in this model for income tax, employee NI and loan deductions. A net-pay contribution reduces income for tax but not NI or loan deductions. Your pension provider receives the gross amount entered; employer pension contributions can be shown separately, while employer NI savings are excluded.
Salary sacrifice needs employer agreement and cannot reduce cash earnings below the applicable minimum wage. This calculator does not check that. Pension allowances, tax charges and any HMRC top-up for low earners using net-pay arrangements are not calculated. Check existing contributions and your scheme before relying on an estimate.
Need help understanding your tax?
Digivolve’s accountants in Haywards Heath can help review your personal tax position. Find out about personal tax return support. If you receive company dividends as well as salary, use our separate salary and dividend tax calculator.
Estimate your next monthly payslip
Use your last payslip’s year-to-date figures to estimate a bonus or tax-code change next month.
Monthly payroll only, within 2026/27. This estimates PAYE deductions under the code you enter, not your final annual tax liability. No payslip upload or personal identifiers are needed.
How this forecast works and its limits
Cumulative PAYE applies the new tax code to taxable pay to date and deducts tax already paid; this may produce a catch-up deduction or refund. Month 1 ignores previous pay and tax. NI and student loans use this month’s earnings, not annual averages. Positive PAYE deductions are limited to 50% of relevant cash taxable pay; any excess may remain due. Personal Allowance tapering is not applied again to an issued tax code.
The baseline estimates next month with normal pay, no bonus and the old tax code. The revised column applies the bonus and new code. Both use the same year-to-date figures, pension, benefits and other deductions. This is not a re-creation of last month’s payslip.
Assumes one monthly employment, positive cash pay, ordinary monthly NI rather than directors’ annual NI, and no payroll corrections or special arrangements. Employer contributions, pension allowance charges, minimum-wage compliance, loan balances and stop notices are not modelled. Your employer’s payroll may differ; do not use this estimate to run payroll.
Method source: HMRC PAYE tax table specification v24, 2026/27 NI thresholds, and monthly student-loan deductions.