Free tool
UK Take-Home Pay Calculator
See what any salary is worth after income tax, National Insurance, pension and student loan, broken down by year, month, week and day. Enter a yearly, monthly, weekly, daily or hourly figure and add a tax code if yours is not standard. 2026/27 rates; nothing is saved.
Your salary
Per year
£25,120
Per month
£2,093
Per week
£483
Per day
£97
Yearly breakdown
Effective hourly rate at 37.5 hrs/week: £15.38. Figures are an estimate for the 2026/27 tax year, England, Wales and Northern Ireland.
National Minimum & Living Wage, from April 2026
Empliora checks every rate of pay against the minimum wage automatically when you set someone up, so an underpayment never slips through.
Common questions
How is take-home pay worked out in the UK?
Start with your gross salary, take off income tax and National Insurance, and any pension or student loan repayments. What is left is your take-home, or net, pay. This calculator uses the 2026/27 rates for England, Wales and Northern Ireland.
How much is tax-free?
The standard personal allowance is £12,570 a year (tax code 1257L), so you pay no income tax on income up to that. The allowance is gradually removed once you earn over £100,000.
What are the income tax rates for 2026/27?
In England, Wales and Northern Ireland: 20% on taxable income up to £37,700, 40% from there up to £125,140, and 45% above £125,140. Scotland has its own bands.
How much is National Insurance?
Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above £50,270 (2026/27).
What is the minimum wage in 2026?
From April 2026 the National Living Wage for workers aged 21 and over is £12.71 an hour. It is £10.85 for ages 18 to 20, and £8.00 for under-18s and apprentices.
This calculator is an estimate for the 2026/27 tax year and covers England, Wales and Northern Ireland. Scotland sets its own income tax bands. It does not replace a payroll calculation or professional advice.
Run payroll-ready numbers for your whole team
Empliora stores every person's pay, hours and pension, checks pay against the minimum wage, and hands your accountant a clean payroll export each month.