Take-home pay calculator
Work out what is left of a salary after income tax and National Insurance in the 2026 to 2027 tax year. Scotland sets its own income tax rates, so the answer differs depending on where you live.
Your details
Income tax differs between Scotland and the rest of the United Kingdom, so start there.
Two systems, one country
Others in Work and pay
Figures checked
How the calculation works
Your salary is reduced first by any pension contribution, then by the Personal Allowance, which is the slice of income taxed at nothing. What remains is taxable income, and the bands are applied to it in order. National Insurance is worked out separately, on your pay rather than on your taxable income, which is why the two do not start at the same point.
The 2026 to 2027 rates
England, Wales and Northern Ireland
These three nations share one set of rates. Only Scotland differs.
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570.00 | 0% |
| Basic rate | £12,571.00 to £50,270.00 | 20% |
| Higher rate | £50,271.00 to £125,140.00 | 40% |
| Additional rate | Over £125,140.00 | 45% |
Scotland
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570.00 | 0% |
| Starter rate | £12,571.00 to £16,537.00 | 19% |
| Basic rate | £16,538.00 to £29,526.00 | 20% |
| Intermediate rate | £29,527.00 to £43,662.00 | 21% |
| Higher rate | £43,663.00 to £75,000.00 | 42% |
| Advanced rate | £75,001.00 to £125,140.00 | 45% |
| Top rate | Over £125,140.00 | 48% |
National Insurance, everywhere
| Earnings | Employee rate |
|---|---|
| Up to £12,570.00 a year | 0% |
| £12,570.01 to £50,270.00 | 8% |
| Over £50,270.00 | 2% |
What this calculator does not cover
It assumes one salaried job taxed under the standard code, with no student loan, no company car or other taxable benefit, no salary sacrifice arrangement beyond a simple pension percentage, and no other income. Those change the answer, sometimes a great deal. Treat the figure as a good estimate rather than a payslip.