UK Take-Home Pay vs Salary

Enter a PAYE tax code to see take-home pay and effective deduction rate across a salary range. Tax year 2026/27.

Tax code

Include employee NI (Class 1)

Min salary (£)

Max salary (£)

Gross salary	Income tax	Employee NI	Take-home	Effective rate

Assumes the full amount is paid as regular salary subject to PAYE, with no pension contributions, salary sacrifice, student loan repayments, or other deductions. Personal allowance taper (−£1 per £2 earned over £100,000, exhausted at £125,140) is applied continuously rather than rounded to the nearest pound as HMRC payroll does, so figures near that band are indicative rather than exact. National Insurance assumes standard Category A. Scottish band thresholds are derived from the published 2026/27 figures assuming the standard personal allowance.