UK Income Tax Calculator
Your details
Estimate your take-home pay for the 2026/27 tax year.
Official rates — period NI estimate
Pay before tax and National Insurance.
Gross contribution percentage.
Change pension method in Advanced settings.
Most employees should choose Standard employee.
Your take-home pay
Estimated annual take-home pay
£37,944.72
Calculation basis: Annual estimate
Tax region: England · NI category A (Standard) · Monthly NI periods
Monthly
£3,162.06
Weekly
£729.71
Share links include your calculator settings (salary, region, NI category, pensions and similar). Do not share a link if it contains information you consider sensitive. Deduction descriptions are never included.
Gross salary
£50,000.00
Income Tax
£7,048.40
Employee National Insurance
£2,818.88
Salary sacrificed into pension
£2,188.00
Take-home pay
£37,944.72
Where your gross salary goes
- Take-home pay (75.9%)
- Income Tax (14.1%)
- Employee NI (5.6%)
- Salary sacrificed into pension (4.4%)
About this calculation
Scope, assumptions, methodology and official sources for this estimate.
How this Income Tax estimate works
Enter a gross salary to see Income Tax, employee National Insurance and estimated take-home pay for the selected UK tax year. Optional pension, student-loan and employer-cost settings use the same rules as other Sorvuna employment calculators.
Income Tax bands and the Personal Allowance
Income Tax is charged on taxable income after the Personal Allowance, using successive rate bands. Read Income Tax Bands Explained for the UK picture, or Scottish Income Tax Explained if you are a Scottish taxpayer.
National Insurance, pensions and student loans
Employee National Insurance is separate from Income Tax and usually starts above a weekly or monthly earnings threshold. See National Insurance Explained. Pension contributions may use Salary Sacrifice Explained or Pension Tax Relief Explained, and student loans are covered in Student Loan Repayments Explained.
Tax codes and PAYE
Most employees pay through Pay As You Earn (PAYE). Your tax code tells payroll how much Personal Allowance to give. Advanced mode lets you set a tax code when a simple annual estimate is not enough. See PAYE Explained and Tax Codes Explained.
Important limitations
This tool estimates employment take-home pay. It is not a full Self Assessment calculator, does not model every benefit in kind, and does not replace payroll. For the wider employment-tax topic set, start at the Employment Tax hub. Need the salary that delivers a target take-home figure? Open the Net to Gross Salary Calculator.
Frequently asked questions
What does this Income Tax Calculator estimate?
It estimates Income Tax, employee National Insurance and take-home pay from a UK employment salary for the selected tax year. Optional settings cover pension contributions, student loans and employer costs.
Which UK nations does it cover?
England, Wales and Northern Ireland use the UK Income Tax bands. Scottish taxpayers can select Scottish Income Tax rates. National Insurance rules still follow the UK framework.
What is the Personal Allowance?
The Personal Allowance is the amount of income you can usually receive each tax year before Income Tax is charged. For 2026/27 the standard allowance is £12,570, and it can be reduced once adjusted net income rises above £100,000.
Does the calculator include pension contributions?
Yes. You can model employee pension contributions, including salary sacrifice where relevant. Pension choices can change taxable pay, National Insurance and take-home pay.
What does this calculator not include?
It does not file a tax return, model benefits in kind in full, or replace payroll software. Results are planning estimates and may differ from your payslip or HMRC figures.
Official sources
- Income Tax rates and Personal Allowances (GOV.UK)
- National Insurance rates and categories (GOV.UK)
- Scottish Income Tax (Scottish Government)
- Tax codes (GOV.UK)
- PAYE for employees (GOV.UK)
- Student loan repayment (GOV.UK)
- Tax relief on pension contributions (GOV.UK)
- Salary sacrifice and the taxation of employee benefits (GOV.UK)
Figures are estimates and may differ from payroll. See the methodology page for how Sorvuna builds estimates. For a data-led view of Scotland vs rest-of-UK marginal rates in 2026/27, see Sorvuna Research: UK salary tax map. This is not tax, legal or financial advice.
Related guides
- Income Tax Bands ExplainedPersonal Allowance, basic, higher and additional rates — and how Scotland differs.Read guide
- National Insurance ExplainedClass 1 National Insurance for employees — categories, thresholds and how National Insurance differs from Income Tax.Read guide
- PAYE ExplainedHow Pay As You Earn collects Income Tax and National Insurance through your employer.Read guide
- Tax Codes ExplainedHow PAYE tax codes work, what 1257L means, and how to check your code is right.Read guide
- Salary Sacrifice ExplainedHow salary sacrifice pensions reduce taxable pay and National Insurance, and what to check before agreeing.Read guide
- Scottish Income Tax ExplainedHow Scottish Income Tax bands work for Scottish taxpayers while National Insurance remains UK-wide.Read guide
- Pension Tax Relief ExplainedRelief at source, net pay and salary sacrifice — how pension contributions get tax relief in the UK.Read guide
- Student Loan Repayments ExplainedHow Plan 1, 2, 4 and 5 undergraduate loans and postgraduate loans are repaid from salary.Read guide
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