🇬🇧 UK Salary Calculator
Calculate your take-home pay with UK tax and National Insurance
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⚠️ Disclaimer
This calculator provides estimated calculations based on 2026/27 UK tax rates and National Insurance contributions. Actual deductions may vary based on your specific circumstances, tax code adjustments, and other factors. For precise calculations, please consult with HMRC or a qualified tax advisor.
Frequently Asked Questions
UK income tax rates for 2026/27: 0% up to £12,570, 20% on £12,571-£50,270, 40% on £50,271-£125,140, and 45% above £125,140. Plus National Insurance contributions.
National Insurance funds state pension and NHS. You pay 8% on earnings between £12,570-£50,270, and 2% on earnings above £50,270. No NI on first £12,570.
Your tax code (e.g., 1257L) determines your personal allowance. 1257L means £12,570 tax-free allowance. Wrong tax code means wrong tax deductions - check your payslip and update with HMRC if needed.
Workplace pension contributions are taken before tax. If you contribute 5% of £35,000 (£1,750), you only pay tax on £33,250, saving you £350 in tax. Plus employer contributes 3% minimum.
Plan 1: 9% on income over £22,015. Plan 2: 9% on income over £27,295. Plan 4 (Scotland): 9% on income over £27,660. Postgraduate: 6% on income over £21,000. Deducted automatically from salary.
Yes, Scotland has different income tax bands and rates. Scottish taxpayers pay 19%, 20%, 21%, 42%, and 47% depending on income. Use Scottish tax option in our calculator for accurate results.