Take home payEstimate, not advice
Type in your yearly pay and see what you take home in 2026/27 after Income Tax, National Insurance, student loans and your pension. Nothing you type leaves your browser.
| For the year |
|---|
Worked out for the whole year with a standard tax code. Your payslips can differ a little each month.
Salary sacrifice comes off your pay first, so Income Tax, National Insurance and student loans are worked out on what is left.
With relief at source you pay 80% of the contribution from your take home pay and the provider adds the other 20%. If you pay tax above 20%, you can claim the rest back from HMRC, so we show that separately. National Insurance and student loans are worked out on your full pay.
The Personal Allowance of £12,570 falls by £1 for every £2 of adjusted net income over £100,000. Student loans are 9% of pay over your plan threshold, and a Postgraduate Loan is 6% over £21,000.
| Personal Allowance | £12,570 |
| England, Wales and Northern Ireland | 20% to £50,270, 40% to £125,140, 45% above |
| Scotland | 19% to £16,537, 20% to £29,526, 21% to £43,662, 42% to £75,000, 45% to £125,140, 48% above |
| Employee National Insurance | 8% from £12,570 to £50,270, 2% above |
| Student loan Plan 1, 2, 4, 5 | 9% over £26,900, £29,385, £33,795, £25,000 |
| Postgraduate Loan | 6% over £21,000 |
The Scotland figures assume the full Personal Allowance.
Checked on 20 October 2026.
Salary sacrifice also saves National Insurance and can lower student loan repayments, so take home pay is often higher. Change the setting to compare.
Yes. Choose Scotland and the six Scottish Income Tax bands are used. National Insurance and student loans are the same across the UK.