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UK Salary & Take-Home Pay Calculator
Calculate your net salary after Income Tax (HMRC PAYE), Class 1 National Insurance, auto-enrolment workplace pensions, and Student Loan repayments.
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UK Tax & Payroll Guides (2026/27)
Essential HMRC tax rules, tax traps, and salary optimization strategies.
The £100k Tax Trap Explained: 60% Marginal Tax Rate
How losing your Personal Allowance above £100,000 creates a 60% effective tax rate and how to beat it.
Student Loan Repayment Plans: Plan 1, 2, 4, 5 & Postgrad
Detailed threshold comparison and repayment deductions breakdown on your monthly payslip.
National Insurance Rates 2026/27: Class 1 Employee Contributions
Understand the 8% main rate threshold and the 2% upper earnings limit for employees.
Scottish Income Tax Brackets 2026/27: Scotland vs England Rates
Understand the 6 Scottish tax bands (19% to 48%) and compare take-home pay differences with England.
Salary Sacrifice Pension Guide: How to Cut Tax & NI Deductions
Learn how exchanging gross salary for pension contributions eliminates National Insurance and Income Tax.
What Does 1257L Tax Code Mean? Emergency Codes Explained
Why 1257L is standard for £12,570 Personal Allowance and how to fix emergency tax code errors.
UK Income Tax Bands & Rates (2026/27)
| Band | Taxable Income | Income Tax Rate | National Insurance (Class 1) |
|---|---|---|---|
| Personal Allowance | Up to £12,570 | 0% | 0% (Below £12,570/yr) |
| Basic Rate | £12,571 to £50,270 | 20% | 8% |
| Higher Rate | £50,271 to £125,140 | 40% | 2% |
| Additional Rate | Over £125,140 | 45% | 2% |
* Note on the £100,000 "Tax Trap": For every £2 earned above £100,000, your £12,570 Personal Allowance is reduced by £1, creating an effective 60% marginal tax rate between £100,000 and £125,140.