Take-home pay calculator

Enter your yearly salary or self-employed profit to see roughly what you would take home in the 2026 to 2027 tax year after income tax and National Insurance, with a monthly figure. It uses the rates published on GOV.UK and can use the Scottish income tax rates.

How the calculation works

Income tax is worked out on your income above the Personal Allowance of £12,570, using the bands for England, Wales and Northern Ireland or for Scotland. The income tax calculator shows each band.

For employees, National Insurance is 8% on earnings between £12,570 and £50,270 a year and 2% on earnings above £50,270. The calculator works this out on the yearly figure; in practice it is taken from each payslip, so it can differ slightly if your pay varies.

For the self-employed, Class 4 National Insurance is 6% on profits between £12,570 and £50,270 and 2% on profits above £50,270. If your profits are £7,105 or more, Class 2 contributions are treated as paid, so there is nothing extra to pay.

What it leaves out

Pension contributions, salary sacrifice and workplace benefits.
Student loan and postgraduate loan repayments.
Your tax code, which may include adjustments for benefits or underpaid tax.
Other income such as savings, dividends or rental profit.

The result is an illustration for the 2026 to 2027 tax year, not a tax calculation you can rely on. It does not know your tax code or your full circumstances, so check anything important with HMRC or an accountant.

Common questions

Why is my payslip different from the result?

Your payslip may include pension contributions, student loan repayments, benefits in kind or a tax code adjustment, none of which the calculator knows about. Employee National Insurance is also worked out on each pay period rather than on the year.

Do self-employed people pay Class 2 National Insurance?

Not if profits are £7,105 or more in 2026 to 2027: GOV.UK says Class 2 contributions are treated as having been paid to protect your National Insurance record. Below that, you can choose to pay voluntary Class 2 contributions.

When do the self-employed pay this tax?

Through self assessment, with the balance due by 31 January after the end of the tax year and, for many people, payments on account towards the next year. Our guide to [payments on account](/guides/payments-on-account) explains how they work.

Does the employer pay anything on top?

Yes. Employers pay their own National Insurance of 15% on earnings above £5,000 a year, which does not come out of your pay. Our guide to [employer National Insurance](/guides/employers-national-insurance) explains it.

Sources for the figures on this page

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