Does the calculator include Student Loan?

Yes for Plan 1 (9% above £24,990), Plan 2 (9% above £27,295), Postgraduate (6% above £21,000). Choose your plan to see the deduction.

A letter-number combination (e.g. 1257L) telling your employer your Personal Allowance. 1257L = standard £12,570 PA. Emergency codes (BR, 0T) over-deduct.

Can I use this for self-employed?

No — this calculates employed PAYE. Self-employed pay similar Income Tax but different NI (Class 2 + Class 4). Use the Self Assessment estimator instead.

How much tax do you pay on salary in the UK in 2026?

Personal Allowance — £12,570 (no tax). Basic Rate 20% — up to £50,270. Higher Rate 40% — £50,271–£125,140. National Insurance: 8% on £242–£967/week, 2% above. For a salary of £30,000, net take-home is about £24,000/year.

What is Personal Allowance in the UK?

Personal Allowance is the amount of income on which you do not pay Income Tax. In 2026/27 it is £12,570/year. If your income is above £100,000, Personal Allowance decreases by £1 for every £2 over the threshold.

What is National Insurance in the UK and how much is deducted?

National Insurance (NI) is a contribution to the social security system. In 2026/27: 8% on income from £12,570 to £50,270 per year, 2% above. NI counts towards your pension, sick pay, and unemployment benefits.

How much does a seasonal worker actually earn in the UK?

Minimum wage 2026 for 21+: £12.71/hour. For 40 hours a week — £508/week gross. For 6 months: £13,200 gross, about £11,500 net after taxes. Minus accommodation (£60–78/week) = £9,600–10,900 net.

How does Student Loan work in the salary calculator?

Plan 2 (most students from 2012): deductions start when income is above £29,385/year, 9% of the amount above the threshold. Your employer deducts automatically through PAYE. The debt is written off after 30 years.

Updated 2026-05-21

The calculator shows take-home (net) pay after UK Income Tax + National Insurance + Student Loan for tax year 2026/27. Personal Allowance £12,570 (0%), basic rate 20% (up to £50,270), higher 40% (up to £125,140), additional 45%. Employee NI: 8% (between £12,570 and £50,270), 2% above.

In short

UK salary calculator 2026/27: enter gross salary — get net take-home pay. Rates 2026/27: Personal Allowance £12,570 (no tax), Basic Rate 20% up to £50,270, National Insurance 8% above £12,570. For a salary of £30,000 gross, net is about £24,000/year. Data stays in your browser.

Tool · 2026/27

UK Salary Calculator — take-home in 10 seconds.

Enter gross salary — get net take-home pay with breakdown of tax, NI and student loan. All calculations use 2026/27 rates. Data is not sent anywhere.

Виджет 01 · Salary calculator

Сколько у меня на руки?

Регион

Годовой gross (£)£30,000 / годTax code (с payslip)

норма — полное PA £12,570Student loan

На руки в год

£25,121

/ месяц£2,093

/ неделю£483

Gross£30,000

− Income Tax−£3,486

− National Insurance−£1,393

На руки£25,121

Источник: gov.uk/income-tax-rates · 2026/27 bandsОткрыть полный калькулятор →

Examples · 7 income levels

Real numbers — gross → net.

Calculations for England/Wales/NI. Student loan — Plan 2 (threshold £29,385). Pension not included — add 5–8% if your employer deducts it.

Gross (year)	Income Tax	NI (Class 1)	Student Loan Plan 2	Take-home (year)	Take-home (month)
£18,000 warehouse, fast food	£1,086	£435	—	£16,479	£1,373
£24,000 PAYE, retail	£2,286	£915	—	£20,799	£1,733
£30,000 PAYE + side job	£3,486	£1,395	£54	£25,065	£2,089
£40,000 CIS, senior technician	£5,486	£2,195	£954	£31,365	£2,614
£60,000 CIS top, manager	£11,486	£3,395	£2,754	£42,365	£3,530
£100,000 PA taper starts	£27,432	£4,595	£6,354	£61,619	£5,135
£150,000 PA = £0, 45% rate	£53,432	£4,595	£6,354	£85,619	£7,135

£100K — Personal Allowance trap

When your income is £100K–£125,140, Personal Allowance decreases: you lose £1 for every £2 above £100K. The effective tax rate in this range is 60%. If you are close to this amount, discuss pension contributions with an accountant.

Section 02 · Payslip

How to read a payslip — four numbers.

Your employer must give you an itemized payslip under the Employment Rights Act 1996 s.8. If you do not get a payslip, contact Acas (acas.org.uk).

Employer

Acme Construction Ltd

Pay date

30 April 2026

Employee

Ivan Ivanov

NI · QQ 12 34 56 C

Tax code

1257L

Gross this period

£2,650.00

Earnings

Basic pay	£2,650.00
Overtime	£0.00

Deductions

Income Tax	£412.00
NI	£205.32

Net pay

£2,032.68

YTD Gross / YTD Tax

£2,650.00 / £412.00

Tax code. Главное число на странице. 1257L — норма. BR, 0T, W1/M1 — повод проверить.

Gross this period. До налогов. Если меняется неожиданно — проверь часы.

Net pay. Что должно прийти на счёт. Сверьте с банковской выпиской.

YTD (Year-to-Date). Накопительный итог. По нему считается переплата и возврат.

Section 03 · Tax codes

10 codes cover 95% of all payslips.

Green — normal. Yellow — temporary. Red — error or debt, you need to act now.

1257Lнорма

Норма

Полное Personal Allowance £12,570. То, что должно быть у большинства.

BRпроверь

Вторая работа

Всё облагается 20%. Норма для 2nd job, но проверь главную работу.

0Tпроблема

Без PA

Personal Allowance не применяется. Скорее всего ошибка — звони HMRC.

D0проверь

Всё 40%

Higher rate на всю сумму. Норма только для high earners со 2nd job.

D1проверь

Всё 45%

Additional rate целиком. Очень редко правильно.

NTнорма

Без налога

No tax. Применяется для нерезидентов или специальных случаев.

K475проблема

Долг HMRC

К-код = HMRC взыскивает долг. Прочитай coding notice.

Mнорма

Marriage Allow.

Получаешь часть PA от супруга. +£252 в год.

Nнорма

Передал PA

Отдал часть PA супругу. Норма для пар с разницей доходов.

W1/M1проблема

Emergency

Налог считается по неделе/месяцу, без накопления PA. Переплата гарантирована.

How to spot a wrong code

Check the code on your payslip

The code is next to your employer's name. If you see BR, 0T, W1 or M1, read on.

Check via Personal Tax Account

gov.uk/personal-tax-account → «Check your Income Tax for the current year». HMRC shows which code they sent to your employer.

Call HMRC (if PTA does not help)

0300 200 3300 (Mon–Fri 8:00–18:00). Explain the situation, HMRC will send a new P6 code directly to your employer.

Wait for P800 or claim a refund yourself

After the code is corrected, HMRC recalculates your tax. If you overpaid, you will get a P800 (cheque or BACS). You can also submit a refund claim through Personal Tax Account.

Section 04 · Rates

Official rates 2026/27.

All rates are valid from 6 April 2026. Source — gov.uk/income-tax-rates and gov.uk/national-insurance.

Income Tax · England & Wales · 2026/27

Personal Allowance	£0 – £12,570	0%
Basic rate	£12,570 – £50,270	20%
Higher rate	£50,270 – £125,140	40%
Additional rate	£125,140+	45%

National Insurance · Class 1 employees

До £242 / неделю	0%
£242 – £967 / неделю	8%
£967+ / неделю	2%

Student loan thresholds

Plan 1	£26,900	9%
Plan 2	£29,385	9%
Plan 4 (Scotland)	£33,795	9%
Plan 5	£25,000	9%
PGL	£21,000	6%

Scotland — separate rates

Scotland has 6 of its own tax bands (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%). If you live and work in Scotland, the calculator above gives wrong numbers. Scottish calculation will be added in the next iteration — for now use gov.scot/policies/income-tax.

What next.

Sources