UK Take-Home Pay Calculator (2026)
This UK paycheck calculator estimates net pay after Income Tax and employee National Insurance. Use it for monthly or annual salary, or switch to hourly wages. Choose England, Wales, Northern Ireland, or Scotland so Income Tax bands match your tax nation.
What comes out of a UK paycheck?
Most UK employees pay Income Tax (via PAYE) and Class 1 National Insurance. Personal Allowance, pension contributions, and student loan repayments can change your exact take-home pay. This tool models Income Tax + NI first — the core of UK payslip planning.
England, Wales, Scotland & Northern Ireland
Income Tax bands differ in Scotland. Use the Tax nation selector for Scotland vs England/Wales/Northern Ireland. National Insurance Class 1 employee rates are UK-wide. Personal Allowance (£12,570) tapers once annual income exceeds £100,000.
What this UK calculator does not include yet
Student loan repayments, workplace pension contributions, Scottish Student Awards, and some benefits-in-kind are not modeled. Add those manually against net pay if you need a closer payslip match.
International Paycheck Calculators
UK, Canada provinces, Australia, and Tier-1 European countries — each with its own tax engine.
Frequently Asked Questions
How is take-home pay calculated in UK?
Enter your gross salary in £, choose your pay frequency, and the calculator estimates income tax and mandatory social contributions for UK, then shows your net (take-home) pay.
Is the UK paycheck calculator accurate?
It provides estimates using simplified 2026 tax and social contribution rules for UK. Actual pay may differ due to personal allowances, local taxes, benefits, pension schemes, or employer deductions. Not tax advice.
Can I use this for hourly wages in UK?
Yes. Switch to hourly pay, enter your rate and hours, and see estimated net pay after UK taxes and contributions.
What does take-home pay exclude?
Estimates focus on income tax and mandatory social contributions. Optional pensions, student loans, union dues, and some local levies may not be included unless noted on the page.