UK Salary Tax Calculator
Our free UK salary tax calculator instantly estimates your net take-home pay under 2026 UK tax rules. Enter your gross annual salary to calculate your Income Tax, National Insurance contributions, and monthly net pay — no sign-up or personal details required.
| Period | Gross | Tax | NI | Net Pay |
|---|---|---|---|---|
| Yearly | £50,000.00 | -£0.00 | -£0.00 | £0.00 |
| Monthly | £4,166.67 | -£0.00 | -£0.00 | £0.00 |
| Weekly | £961.54 | -£0.00 | -£0.00 | £0.00 |
| Daily | £192.31 | -£0.00 | -£0.00 | £0.00 |
How UK Income Tax and NI Are Calculated
This calculator applies the 2026/27 UK PAYE rules. It deducts the standard Personal Allowance (£12,570) from your gross salary to find taxable income, then applies the Basic Rate (20% on £12,571–£50,270), Higher Rate (40% on £50,271–£125,140), and Additional Rate (45% above £125,140). National Insurance Class 1 contributions are also calculated. Inputs: annual gross salary, pension contribution percentage, and student loan plan. Outputs: annual and monthly take-home pay, Income Tax, and NI.
Frequently Asked Questions
How much tax do I pay on my salary in the UK?
In 2026/27, you pay 0% tax on the first £12,570 (your Personal Allowance), 20% Basic Rate on income between £12,571 and £50,270, 40% Higher Rate on £50,271 to £125,140, and 45% Additional Rate on income above £125,140. National Insurance contributions are charged separately.
What is the UK National Insurance rate for 2026?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 per year, and 2% on earnings above £50,270. Employers pay 13.8% employer NI on earnings above £9,100. Self-employed workers have different NI classes and rates.
What is the UK Personal Allowance for 2026?
The UK Personal Allowance for 2026/27 is £12,570. This is the amount of income you can earn tax-free each year. For those earning above £100,000, the Personal Allowance is gradually reduced by £1 for every £2 earned above the threshold.
How is take-home pay calculated in the UK?
Your take-home pay is your gross salary minus Income Tax, employee National Insurance contributions, and any pension contributions. For example, a £35,000 annual salary in 2026 would incur approximately £4,486 in Income Tax and £1,860 in NI, giving an estimated take-home of around £28,654 per year.
Does pension contribution affect UK tax?
Yes. Contributions to a workplace pension reduce your taxable income under salary sacrifice or receive tax relief under relief-at-source schemes. For example, contributing 5% of a £40,000 salary saves approximately £400 in Income Tax at the Basic Rate, reducing your overall tax bill.