Take-Home Pay Estimator
Estimate your take-home pay from an hourly wage for the 2026/27 tax year, with Scottish tax bands, workplace pension and student loan options.
About this tool
Figures use the 2026/27 tax year. In England, Wales and Northern Ireland, the first £12,570 is tax-free, then income tax is 20% up to £50,270, 40% up to £125,140 and 45% above. Scotland has six bands: 19%, 20%, 21%, 42%, 45% and 48%. Above £100,000 the tax-free allowance shrinks by £1 for every £2 earned. Employee National Insurance is 8% between £12,570 and £50,270 and 2% above, wherever you live in the UK.
For a pension, choose how your scheme works if you know: with relief at source, the most common type, you pay 80% of the contribution from your take-home pay and the scheme adds the 20% tax relief; with a net pay arrangement it comes off before tax; and salary sacrifice also saves National Insurance. Student loans take 9% of earnings above the plan's threshold (Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000), and a Postgraduate Loan takes 6% above £21,000. Your inputs are saved on this device.