UK Take-Home Pay Calculator 2026/27

On £60,000 you would pay £11,432 in income tax and £3,210.60 in National Insurance, leaving £45,357.40 a year or about £3,779.78 a month before any pension or student loan deductions. The first £12,570 is tax free, the next £37,700 is taxed at 20%, and the remainder at 40%.

Because the personal allowance is withdrawn by £1 for every £2 earned above £100,000. Each extra £2 of salary therefore also exposes £1 of previously tax-free income, so £3 becomes taxable at the 40% rate — an effective 60% on that slice. Above £125,140 the allowance is gone and the marginal rate falls back to 45%. Paying into a pension is the usual way to bring adjusted net income back below £100,000.

It depends on your salary. Scotland has six bands rather than three, and the crossover is around £28,000: below that a Scottish taxpayer pays slightly less thanks to the 19% starter rate, and above it they pay more. On £60,000 the difference is about £1,750 a year. On £150,000 it is several thousand. Switch the country selector above to compare.

Between £100,000 and £125,140 the personal allowance is withdrawn at £1 for every £2 earned, so £3 becomes taxable for every £2 of extra salary. In Scotland that £3 is taxed at the 45% advanced rate, giving an effective 67.5% — the steepest marginal rate anywhere in the UK. The equivalent band in England, Wales and Northern Ireland is 60%.

A workplace pension contribution is normally taken before tax, so it reduces both your taxable income and your tax bill. Putting in 5% costs you less than 5% of your take-home pay, because part of it would otherwise have gone to HMRC. For a higher-rate taxpayer, £100 into a pension reduces net pay by about £60.

Plan 1 is generally for English and Welsh students who started before September 2012, Plan 2 for those starting between 2012 and 2023, Plan 5 for courses starting from September 2023, and Plan 4 for Scottish students. Postgraduate loans are repaid separately and can run alongside another plan. If you are unsure, check your online student loan account.

They will be very close for a straightforward salary, but a payslip can differ. Your tax code may not be the standard one, benefits in kind such as a company car are taxed through the code, salary sacrifice arrangements change the calculation, and PAYE spreads your allowance across the year so a mid-year start or a bonus month can look different. Treat this as a planning figure.

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