Calculate∑ What your result means
This estimates your PAYE deductions using the standard Personal Allowance, Income Tax bands and employee National Insurance rates for England, Wales and Northern Ireland.
UK Income Tax & National Insurance (PAYE) Calculator
Estimate your Income Tax and Class 1 National Insurance from your annual salary.
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Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-03-01
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Compare scenarios
Change annual gross salary to see the effect on your result.
Understand your result
Clear context for the values above.
Annual gross salary
Annual gross salary is included so you can interpret this estimate and make a better-informed comparison.
Employee pension contribution
Employee pension contribution is included so you can interpret this estimate and make a better-informed comparison.
Pension method
Pension method is included so you can interpret this estimate and make a better-informed comparison.
Income Tax region
Income Tax region is included so you can interpret this estimate and make a better-informed comparison.
How to use this calculator
- 1Enter your current annual gross salary, employee pension contribution, pension method, income tax region.
- 2Review the headline estimated annual take-home pay and the supporting figures beside it.
- 3Change one input at a time to see which assumption has the biggest effect.
- 4Confirm current UK rates and thresholds with an official source before acting.
Explore this calculator
What your result means →The headline estimated annual take-home pay is based on the inputs currently shown above.Key terms explained →Review the assumptions, applicable rules, timing and real-world fees before making a decision.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard relationship between the displayed inputs. Results update whenever an input changes.Worked example →Using the current values produces £32,080.Assumptions and limitations →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Costs or factors not included →Review the assumptions, applicable rules, timing and real-world fees before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
▦ How this calculator works
Income Tax uses a £12,570 tax-free Personal Allowance, then 20% up to £50,270, 40% up to £125,140, and 45% above. National Insurance is charged at 8% between the £12,570 threshold and £50,270, then 2% above that.
◇ Assumptions and what's not included
The Personal Allowance taper between £100,000 and £125,140 is included. Scotland has its own Income Tax bands and rates; pension contributions, student loans, benefits-in-kind and salary sacrifice are not included here.
▤ What to do next
Use this for a quick annual estimate, then check your payslip or an official HMRC calculator for a figure that reflects your tax code and any additional deductions.
UK-specific contextFigures use GBP and current published rates and thresholds.
Reviewed for clarityUpdated 3 August 2026.
ImportantFor planning and educational use — not tax, legal or financial advice.
Your privacy mattersInputs stay in your browser.
Frequently asked questions
Does this work for Scottish taxpayers?+
No — Scotland sets its own Income Tax bands and rates that differ from the rest of the UK, so this estimate will not match a Scottish payslip.
What happens to my Personal Allowance above £100,000?+
It reduces by £1 for every £2 earned above £100,000 and reaches zero at £125,140. This calculator applies that taper.
Is student loan repayment included?+
No, use the dedicated Net Salary (Student Loan Plans 1–5) calculator to see student loan deductions alongside tax and NI.
Are these the current rates?+
These reflect the 2026/27 tax year bands and the 8%/2% employee NI rates. Rates and thresholds can change after a Budget.
Official references
Rules and thresholds used by this calculator are labelled for 2026–27 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.