Salary After Tax Calculator
Calculate an estimated take-home salary from hourly, daily, weekly, monthly or yearly pay — for all four UK nations.
Estimated annual deductions
| Gross annual pay | — |
|---|---|
| Income Tax | — |
| Employee NI | — |
| Total deductions | — |
| Take-home pay | — |
Where your pay goes
Green: take-home pay · Orange: Income Tax · Red: National Insurance.
*Effective take-home per hour divides estimated yearly net pay by your hours worked. For a daily, weekly, monthly or yearly salary, provide an hours-per-week value to calculate it.
Assumes steady earnings throughout 52 weeks, standard tax allowance and NI category A. Does not include pension deductions, student loans, benefits, other income or unusual tax codes. Not an exact payslip prediction.
How much salary will you take home in 2026/27?
A job advert might show an hourly rate, weekly pay or an annual salary. But those numbers tell you what you earn before deductions, not what will reach your bank account. This calculator lets you begin with the way your pay is actually quoted and get a clearer picture of the amount left after standard employee Income Tax and National Insurance.
If your employer offers £14.30 an hour and you work 30 paid hours every week, enter 14.30, choose Hour, then enter 30 hours. Select the UK nation where you are liable for Income Tax. You’ll see estimated annual, monthly and weekly take-home pay without having to convert your hourly wage into an annual salary first.
How to use the calculator
- Hourly pay: Enter your hourly rate and paid hours each week.
- Daily pay: Enter your daily gross pay and the number of days you normally work each week.
- Weekly pay: Enter the gross amount you earn in one week.
- Monthly pay: Enter your gross pay for an average month.
- Yearly pay: Enter your annual salary before deductions.
- UK nation: Select England, Scotland, Wales or Northern Ireland. Scotland has different employment Income Tax bands.
- Payroll frequency: Choose weekly or monthly based on how often your employer pays you. This influences the National Insurance estimate.
Hourly wage vs take-home pay: what changes?
An hourly rate is useful when comparing shifts, but you also need to know how many of those hours are paid. For example, 30 paid hours a week at £14.30 per hour produces £429 gross a week. Across 52 identical weeks, that is £22,308 gross a year. The calculator then applies the appropriate Income Tax and employee National Insurance estimates.
If your working week contains unpaid breaks, enter only the hours for which you are paid. If your hours regularly change, try calculating both a typical week and a quieter week. This gives you a more realistic range for budgeting than using your busiest week alone.
UK Income Tax in 2026/27
The standard tax-free Personal Allowance is £12,570. In England, Wales and Northern Ireland, employment income above that allowance is normally taxed at 20%, then 40%, and finally 45% as income rises through the bands. Tax is progressive: moving into a new band doesn’t make all your earlier earnings subject to the higher rate.
For adjusted net income above £100,000, the standard Personal Allowance reduces by £1 for every £2 over that amount. The calculator models this basic taper using employment pay only. Real allowances can differ because of benefits, pension arrangements and other taxable income.
England, Wales and Northern Ireland
| Annual income (standard allowance) | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 to £50,270 | 20% |
| £50,271 to £125,140 | 40% |
| Over £125,140 | 45% |
Scotland
Scottish residents have different Income Tax rates on earnings. Using the standard Personal Allowance, the Scottish starter, basic, intermediate, higher, advanced and top rates apply to increasing portions of income.
| Annual income (standard allowance) | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 to £16,537 | 19% |
| £16,538 to £29,526 | 20% |
| £29,527 to £43,662 | 21% |
| £43,663 to £75,000 | 42% |
| £75,001 to £125,140 | 45% |
| Above £125,140 | 48% |
What about National Insurance?
For most employees in National Insurance category A in 2026/27, the standard employee contribution rate is 8% on earnings between the Primary Threshold and Upper Earnings Limit, and 2% above the upper limit. The thresholds are £242 and £967 a week, or £1,048 and £4,189 a month. National Insurance is generally assessed by payroll period, which is why the calculator asks whether you are paid weekly or monthly.
This tool annualises a consistent weekly or monthly pay pattern to estimate annual National Insurance. A real payslip may differ due to payroll rounding, earnings fluctuations or a different NI category. Directors and employees with special NI circumstances should not rely on a standard category A estimate.
Why your payslip may differ from the result
Two people on identical gross pay might take home different amounts. One could make pension contributions through salary sacrifice; another may repay a student loan. Tax codes, taxable benefits, other earnings and changes in pay during the tax year also affect payroll.
This calculator deliberately keeps the inputs simple. It does not subtract pension contributions, student loan repayments or employer-specific deductions. If you have any of those, treat the result as a starting point rather than an exact bank-payment forecast.
Frequently asked questions
Can I calculate take-home pay from my hourly rate?
Yes. Choose Hour, enter your gross hourly rate and your paid weekly hours. The calculator estimates annual earnings based on 52 weeks, then shows estimated take-home amounts for different periods.
Can I calculate from daily or weekly pay?
Yes. Daily pay uses your chosen working days per week; weekly pay multiplies the entered weekly amount by 52. Remember that unpaid time off can reduce your actual annual earnings.
Why does Scotland show a different result?
Scotland has its own employment Income Tax bands. Standard employee National Insurance thresholds and rates are UK-wide, so the difference in a simple comparison mainly comes from Income Tax.
Does the hourly net rate equal the amount on every payslip?
Not necessarily. It’s an annual average divided by estimated annual working hours. Pay-period taxes and deductions mean your actual hourly equivalent might vary from one payslip to another.
Are student loans and pensions included?
No. This version estimates standard Income Tax and employee National Insurance only. Pension and student loan deductions can reduce the amount you receive.
Check official rates
For up-to-date rules, see HMRC Income Tax rates, 2026/27 employer payroll thresholds and Scottish Income Tax rates.
Last reviewed: October 2026. Educational estimates only; not personalised tax advice. This calculator is designed for standard employed earnings and may not match PAYE payroll calculations exactly.
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