Progressive Tax Bands
20% on £12,571-£50,270, 40% on £50,271-£125,140, 45% above £125,140. First £12,570 is tax-free (Personal Allowance).
FREE CALCULATOR
UK Salary Calculator 2026
Enter your annual gross salary to see your take-home pay after Income Tax, National Insurance, and pension contributions. Updated for 2026/27 tax year.
UK Salary Calculator 2026
* This tool is for informational purposes only. Consult a professional for definitive calculations.
How It Works
National Insurance
Employees pay 8% on earnings between £242-£967/week, and 2% above that. Below £242/week is NI-free.
Pension Auto-Enrolment
UK employers must enroll eligible workers into a pension. Minimum total contribution is 8% (5% employee + 3% employer).
| Tax Band | Income Range | Rate |
|---|---|---|
| Personal Allowance | £0-£12,570 | 0% |
| Basic Rate | £12,571-£50,270 | 20% |
| Higher Rate | £50,271-£125,140 | 40% |
| Additional Rate | Above £125,140 | 45% |
Frequently Asked Questions
How is UK Income Tax calculated?
UK Income Tax uses a progressive system. For 2026/27, the Personal Allowance is £12,570 (tax-free). Basic rate: 20% on £12,571-£50,270. Higher rate: 40% on £50,271-£125,140. Additional rate: 45% above £125,140.
What are the UK National Insurance rates for 2026/27?
Employees pay Class 1 NI: 0% on earnings below £242/week, 8% on £242-£967/week, and 2% above £967/week. Employers pay 13.8% above £175/week.
How does pension contribution affect take-home pay?
Workplace pension contributions are typically deducted before tax (salary sacrifice) or after tax (net pay arrangement). Our calculator assumes standard auto-enrolment at 5% employee contribution.
What is a tax code and how does it affect my pay?
A tax code (like 1257L) tells your employer how much tax-free income you have. The standard code is 1257L (£12,570). Different codes may apply if you have multiple jobs or benefits.
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