Are the calculators HMRC compliant?

Our calculations are built to align with HMRC guidance and use the latest April 2026 rates. However, they're for guidance only – always verify complex cases with HMRC or a qualified professional.

Yes. We're ICO registered (ZC013807) and calculations run in your browser – we don't store sensitive payroll data unless you explicitly save it to your account.

Do you integrate with payroll software?

Reckonly tools work as standalone calculators alongside your existing software like Sage, Xero, and QuickBooks. No integration required – use our tools as a pre-check layer.

What's the VAT registration threshold?

The UK VAT registration threshold is £95,000 taxable turnover in a rolling 12-month period. You must register within 30 days of exceeding this threshold.

How is take home pay calculated in the UK for 2026-27?

Your take home pay is your gross salary minus income tax, employee National Insurance contributions, pension contributions, and any student loan repayments. For 2026-27 the personal allowance is frozen at £12,570, basic rate is 20% up to £50,270, and employee NI is 8% between £12,570 and £50,270.

What is the personal allowance for 2026-27?

The personal allowance remains frozen at £12,570 for 2026-27. If your income exceeds £100,000 the allowance is tapered by £1 for every £2 earned above that threshold, reducing to nil at £125,140.

What are the employee National Insurance rates for 2026-27?

Employee NI is charged at 8% on earnings between the Primary Threshold (£12,570) and the Upper Earnings Limit (£50,270), and at 2% on all earnings above £50,270. There is no NI on earnings below £12,570.

How do student loan repayments affect my take home pay?

Student loan repayments are deducted from gross pay once your income exceeds the threshold for your plan. Plan 2 deducts 9% above £27,295, Plan 5 deducts 9% above £25,000, and Postgraduate loans deduct 6% above £21,000. Multiple plans can run concurrently.

Does pension salary sacrifice reduce my income tax and NI?

Yes. Pension contributions made via salary sacrifice reduce your pensionable pay before tax and NI are calculated, meaning you pay less income tax and employee NI on the sacrificed amount. This is separate from relief-at-source pension contributions which only reduce your tax bill.

Updated for 2026-27 Tax Year

UK Take Home PayCalculator 2026/27

See exactly what you keep after income tax, National Insurance, pension contributions, and student loan repayments — all calculated using the latest HMRC 2026-27 rates.

Calculate My Take Home Pay

View 2026-27 Rates

Income Tax

2026-27 Income Tax Bands

All thresholds remain frozen until 2028. Fiscal drag means more taxpayers are pulled into higher bands each year as wages rise.

Band	Rate	Taxable Income	Notes
Personal Allowance	0%	Up to £12,570	Frozen until 2028
Basic Rate	20%	£12,571 – £50,270	Frozen until 2028
Higher Rate	40%	£50,271 – £125,140	Frozen until 2028
Additional Rate	45%	Above £125,140
PA Taper	—	Income above £100,000	£1 PA lost per £2 earned

National Insurance

Employee NI Rates 2026-27

Employee NI is unchanged from 2025-26. The Primary Threshold aligns with the personal allowance at £12,570.

Below Primary Threshold

Below £12,570

Main rate

£12,570 – £50,270

Upper rate

Above £50,270

Student Loans

Student Loan Thresholds 2026-27

Repayments are deducted at source via PAYE. You can hold more than one plan simultaneously.

Plan	Threshold	Rate	Who it applies to
Plan 1	£22,015	9%	Pre-2012 English/Welsh; all Scottish
Plan 2	£27,295	9%	Post-2012 English/Welsh
Plan 4	£27,660	9%	Scottish students (2021 onwards)
Plan 5	£25,000	9%	English students from 2023 entry
Postgraduate	£21,000	6%	Masters / Doctoral loans

How the Calculator Works

Four steps to a complete picture of your net pay.

Enter your salary

Input your annual or hourly gross pay. Add pension contributions, student loan plan, and any other deductions.

Deductions calculated

Income tax, employee NI, pension, and student loan repayments are all computed using 2026-27 HMRC rates.

See the full breakdown

View your monthly and annual net pay alongside a clear split of every deduction applied.

Compare scenarios

Adjust salary, pension percentage, or student loan plan to model different pay situations side by side.

Frequently Asked Questions

Everything you need to know about UK take home pay calculations.

Calculate Your Take Home Pay

Free. Instant. Updated for 2026-27 HMRC rates. No account required.

Open the Calculator

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