Paycheck / Take-Home Pay Calculator
Estimate regular take-home pay for England, Wales or Northern Ireland in UK tax year 2026/27. The breakdown separates the personal allowance, income tax, employee National Insurance, pension salary sacrifice and other deductions.
Your result
How the calculation works
Personal allowance = max(0, £12,570 − max(0, adjusted salary − £100,000)/2). Taxable salary uses 20%, 40% and 45% bands. Regular Category A NI uses selected weekly/monthly thresholds: 8% between thresholds and 2% above the upper limit.
Worked example
At £60,000 annual gross salary, no sacrifice and monthly pay, estimated annual income tax is £11,432. Monthly employee NI is £267.50. Estimated annual net cash is £45,358, or about £3,779.83/month.
Assumptions and limitations
Tax year: 6 April 2026 to 5 April 2027. Salary-only annual liability estimate spread evenly, not exact cumulative PAYE. Uses standard allowance, no other adjusted-net-income changes and Category A NI. Scotland, other tax codes/NI categories, bonuses, benefits and student loans are excluded.
Effective pension salary sacrifice reduces cash salary before tax and NI; do not enter ordinary after-tax pension contributions there. Minimum wage, pension eligibility and annual allowance charges are not assessed. Other countries are not supported by this tax engine.
Sources and editorial responsibility
Maintained by Renvoro Pty Ltd. Sources inform the methods and assumptions shown here; outputs have the limitations described on this page.
Method reviewed 2026-10-11. Calculation standards · Report an issue