UK Take-Home Pay Calculator 2026/27
Estimate net pay after income tax and National Insurance for 2026/27 (England, Wales and Northern Ireland).
Net pay per year£35,919.60
Net pay per month£2,993.30
Income tax£6,486.00
National Insurance£2,594.40
Personal Allowance used£12,570.00
How it is calculated
Personal Allowance £12,570, reduced by £1 for every £2 of income above £100,000. Income tax on taxable income: 20% up to £37,700, 40% up to £125,140, 45% above. Employee National Insurance: 8% on earnings between £12,570 and £50,270, 2% above. Pension, student loan and Scottish rates are excluded. Source: HMRC / GOV.UK, 2026/27.
Worked example
| Net pay per year | £35,919.60 |
| Net pay per month | £2,993.30 |
| Income tax | £6,486.00 |
| National Insurance | £2,594.40 |
| Personal Allowance used | £12,570.00 |
FAQ
Does it work for Scotland?
No. Scotland has different income tax bands.
Are the results exact?
Results are estimates for information only; check official sources for binding figures.