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UK Tax Calculator

Do you know how much your take-home pay will be after tax? Use our free calculator to work out your take-home pay with full UK tax-year support, Scottish rates, tax codes, pensions, student loans, bonuses, overtime, salary sacrifice and more.

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Your details

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More options

Examples: 1257L (default), BR, D0, D1, NT, 0T, K475. Leave blank for the standard code.

Take-home pay

Annual net

£39,519.60

Monthly

£3,293.30

Weekly

£759.99

Daily

£152.00

Effective tax rate

21.0%

Hourly rate

£25.64

Annual breakdown

Gross earnings

£50,000.00

Personal allowance

£12,570.00

Taxable income

£37,430.00

Income tax

£7,486.00

National Insurance

£2,994.40

Per-period table

PeriodGrossTaxNINet
Yearly£50,000.00£7,486.00£2,994.40£39,519.60
Monthly£4,166.67£623.83£249.53£3,293.30
4-weekly£3,846.15£575.85£230.34£3,039.97
2-weekly£1,923.08£287.92£115.17£1,519.98
Weekly£961.54£143.96£57.58£759.99
Daily£192.31£28.79£11.52£152.00

How to use our UK tax calculator

  1. 1Enter your salary, age and tax year.
  2. 2Add any relevant details, such as your tax code, pension contributions, student loan, bonus or salary sacrifice.
  3. 3See your estimated Income Tax, National Insurance and take-home pay.

Your tax calculation

The calculator estimates your take-home pay based on:

  • Your gross annual salary
  • The tax year you select
  • Your tax code and personal circumstances
  • Income Tax and National Insurance
  • Pension contributions and salary sacrifice
  • Student loan repayments, bonuses and other taxable benefits where applicable
  • Whether you are resident in Scotland

Your result

The calculator shows your estimated annual, monthly, weekly and daily take-home pay, along with your Income Tax, National Insurance, taxable income and effective tax rate.

Our calculator uses the relevant HMRC thresholds for the selected tax year, but the results are estimates and may not reflect every aspect of your individual tax position. If you have multiple sources of income or a more complex tax situation, speaking to a financial adviser or tax adviser can help you understand your position and identify potential tax-planning opportunities.

Do you know how much tax you will pay on your income?

Our free calculator helps you estimate how much Income Tax and National Insurance you could pay based on your salary and circumstances.

You can enter your annual salary, tax code and tax year, as well as factors such as pension contributions, student loans, bonuses, overtime and salary sacrifice. The calculator can also account for Scottish tax rates and certain allowances.

This can help you answer an important question: how much of my salary will I actually take home?

The result is an illustration rather than a guarantee. Your actual tax and National Insurance can depend on your tax code, income sources and individual circumstances.

How does the UK Tax Calculator work?

The calculator starts with your gross annual salary and works out the estimated deductions that apply to you. It can show your:

  • Annual take-home pay
  • Monthly take-home pay
  • Weekly and daily take-home pay
  • Income Tax
  • National Insurance
  • Effective tax rate
  • Taxable income

You can also add more details to make the calculation more relevant to your circumstances, including pension contributions, student loans, bonuses, overtime, salary sacrifice and taxable benefits.

How much Income Tax do I pay?

You normally have a Personal Allowance before Income Tax becomes payable. For the 2026/27 tax year, the standard Personal Allowance is £12,570. The amount of tax you pay above this depends on which tax bands your income falls into.

For most taxpayers in England, Wales and Northern Ireland, the main Income Tax rates are 20%, 40% and 45%, although different rules apply in Scotland.

Your Personal Allowance can also be reduced if your adjusted net income is above £100,000.

The calculator takes these tax bands and allowances into account when estimating your take-home pay.

How does National Insurance affect my take-home pay?

National Insurance is separate from Income Tax and can also reduce the amount you receive from your salary.

The amount you pay depends on factors such as your earnings and employment circumstances. Your National Insurance contributions can therefore affect your take-home pay even if your Income Tax position stays the same.

The calculator includes National Insurance alongside Income Tax so you can see the overall deductions from your salary.

What if I live in Scotland?

Income Tax works differently in Scotland, with different tax bands and rates from those used in England, Wales and Northern Ireland.

The calculator allows you to select that you are resident in Scotland so that the relevant Scottish Income Tax rates can be used in the calculation.

National Insurance continues to be calculated separately.

How can pension contributions reduce my tax?

Pension contributions can affect your tax position because eligible pension contributions can receive tax relief.

They can also reduce your adjusted net income, which may be particularly relevant if you earn more than £100,000 and are affected by the reduction in your Personal Allowance.

For the 2026/27 tax year, the standard pension annual allowance is £60,000, although some people have a lower allowance depending on their circumstances.

The calculator can help you see how different pension contribution assumptions could affect your estimated take-home pay.

What happens if I earn more than £100,000?

If your adjusted net income is above £100,000, your Personal Allowance starts to reduce by £1 for every £2 of income above that threshold. It can eventually reduce to zero.

This can make your effective tax rate higher over part of this income range.

If you are a higher earner, pension contributions, salary sacrifice and other available tax planning options can have a significant effect on your overall tax position. The right approach will depend on your circumstances.

What if I receive bonuses or overtime?

Bonuses and overtime can increase your taxable earnings and therefore affect both your Income Tax and National Insurance.

The calculator allows you to add these amounts so you can see how additional income could change your estimated take-home pay.

If you are considering a bonus, pay rise or change in working arrangements, it can be useful to compare the figures before making a decision.

Should I speak to a financial adviser about my tax?

A tax calculator can help you understand how much tax you may pay, but it cannot account for every aspect of your circumstances.

A regulated financial adviser can help you consider how your income, pension contributions, investments and wider financial plans could affect your tax position. A tax adviser may also be able to help with more complex tax matters, including multiple income sources, business income or tax planning.

If you would like help assessing your options, you can use the Trusted Advisor adviser matching service to find a regulated financial adviser suited to your needs. Alternatively, email our team at hello@trusted-advisor.co.uk and we can help you understand the next steps.

Frequently asked questions

Usually because of your tax code (an emergency code, benefits in kind or underpaid tax being collected), when a bonus is paid in the year, or deductions the calculator doesn’t know about. Enter your code in the tax code field to match your payslip.

In England, Wales and Northern Ireland: 0% on the first £12,570, 20% up to £50,270, 40% up to £125,140 and 45% above that. Employee National Insurance is 8% between £12,570 and £50,270, and 2% above.

Income from employment, self-employment, pensions, dividends, property and investments can all affect your overall tax position. For higher earners, looking at each source separately may not give a complete picture of your total tax liability.

Dividend income is taxed separately from employment income, but the rates and available dividend allowance depend on your overall income. For higher-rate and additional-rate taxpayers, dividends can create a significant additional tax liability.

Rental profits are generally added to your other taxable income and taxed at your marginal Income Tax rate. Higher earners may also need to consider how property income interacts with their wider tax position and pension planning.

If your adjusted net income is above £100,000, your Personal Allowance is reduced by £1 for every £2 of income above the threshold. This creates a higher effective marginal tax rate over part of the income range.

Depending on how your pension contributions are made, they may reduce your taxable income or provide tax relief. Personal pension contributions can extend your basic rate band and reduce adjusted net income. Salary sacrifice into a pension also reduces National Insurance, by reducing your gross pay before income tax and National Insurance are worked out. For high earners, it is important to consider the annual allowance, tapered annual allowance and any available carry forward.

Benefits such as private medical insurance, company cars and other taxable benefits can increase your taxable income. For senior executives and business owners, the value and structure of remuneration can therefore have a significant impact on the overall tax position.

Capital gains are generally subject to Capital Gains Tax rather than Income Tax, but your taxable income can affect the rate of Capital Gains Tax that applies. When you have substantial investments or business interests, income and capital gains should often be considered together.

Depending on your circumstances, tax planning could involve pensions, salary sacrifice, remuneration structure, investments, charitable giving or the timing of income and gains. The most appropriate approach will depend on your wider financial and estate-planning objectives.
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