Free calculator
Take-home pay calculator
See what lands in your account each month after income tax, National Insurance, pension and student loan (2026/27). An illustration to explore, not a payslip.
See roughly what lands in your account each month after income tax, National Insurance, pension and any student loan. It's an estimate, not a payslip — your real figures depend on your tax code and circumstances.
This calculator, the result and the breakdown are free for everyone, no account needed.
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Create a free Blooom account to save this result and reuse the figures you enter across your calculators — so you type less and see the numbers that fit you.
Blooom+ adds the ongoing layer: it keeps an eye on this figure and tells you when it changes, and gives you the deeper AI analysis across your whole money picture. See what Blooom+ does
How it works
- 1Enter your gross annual salary — the figure before any deductions.
- 2Add the percentage you pay into a pension, and how it's paid (salary sacrifice, relief at source or net pay), since that changes the tax and NI interaction.
- 3Pick your student-loan plan if you're repaying one, and where in the UK you pay tax — Scotland uses a different income-tax ladder.
- 4The calculator applies the 2026/27 income-tax bands, National Insurance and the relevant student-loan threshold to estimate your yearly and monthly take-home.
Worked example
A £35,000 salary in England, Wales or Northern Ireland, no pension contribution and no student loan. The calculator estimates the income tax and National Insurance due on £35,000 and shows the take-home left over each month.
Change any input — salary, pension percentage, region or student-loan plan — and the figure updates. It's illustrative, not a formal tax calculation.
Frequently asked questions
Is take-home pay before or after pension?
Take-home pay is after your pension contribution, along with income tax, National Insurance and any student-loan repayment. This calculator shows the pension amount separately so you can see where it goes.
How much tax do I pay on £30,000?
It depends on the 2026/27 income-tax bands and your personal allowance. Enter £30,000 as your salary and the calculator estimates the income tax and National Insurance due, and what's left as take-home.
Does the calculator include Scottish income tax?
Yes. If you pick Scotland, it applies the Scottish income-tax bands rather than the rest-of-UK bands. National Insurance is the same across the UK.
What if I have more than one job?
National Insurance is worked out per job — each employment gets its own tax-free NI threshold. This calculator applies a single threshold to one salary figure, so if you have more than one job the National Insurance shown can overstate what you actually pay across them. Income tax, by contrast, is based on your total income.
Why is my real payslip slightly different?
This is an illustration based on a full tax year and standard assumptions. Your payslip reflects your exact tax code, how pay is spread across the year, and any benefits — so treat this as a guide, not an exact figure.