Take Home Pay In London
Use this scenario page to launch a prefilled calculator and compare outcomes for UK tax, HMRC deductions and related finance decisions.
What's My
Take-Home Pay?
Calculate your take-home pay after tax, National Insurance, and other deductions. Updated for the 2026/27 tax year.
Income Details
Select all that apply. You can have multiple student loan plans at once.
Overtime
Leave blank to use standard tax code 1257L
You can use both salary sacrifice types above, each with its own frequency.
Taxable Benefits
Cash Allowance
Your results
Enter your income details and click calculate to see your take-home pay breakdown.
Understanding Your Take-Home Pay
Ever wondered how much of your salary actually lands in your pocket each month? Your annual paycheck might sound great, but taxes, National Insurance, and other deductions can shrink it faster than you'd expect. Knowing your take-home pay is the key to smarter budgeting, saving for that dream holiday, or just keeping your finances on track.
Our take-home pay calculator cuts through the confusion. It shows you exactly what's left after all the must-pay deductions—whether you're eyeing a new job, negotiating a raise, or planning your next big move.
What Shapes Your Take-Home Pay?
Your net income isn't just your salary minus a random chunk. Here's what's at play:
- Income Tax: Depends on how much you earn and where you live. England, Wales, and Northern Ireland share one system, while Scotland dances to its own tax tune.
- National Insurance (NI): A slice of your salary that helps fund the NHS and your future pension. The more you earn, the more you chip in.
- Student Loans: Got a degree? You might repay a bit each month, depending on your income and loan type.
- Pension Contributions: Saving for retirement can trim your paycheck now (sometimes with tax perks!).
- Extras: Things like private healthcare or company perks might tweak the final number too.
How to Get Your Take Home Pay
It's simple: pop in your salary, pick your location, and tweak options like pension or student loan repayments. Our calculator crunches the latest tax rules and deductions to reveal your true take-home pay—no guesswork needed.
Understanding this breakdown empowers you. Want a bigger paycheck? You could tweak pension contributions or negotiate that raise with confidence. Ready to plan your finances like a pro?
Want to See Your Pension Projections?
Use our pension calculator to see how your contributions could grow over time and plan for your retirement.
Calculate Pension GrowthThe Numbers
Tax Rates and Thresholds (2025/26)
England, Wales & NI
- • Personal Allowance: £12,570
- • Basic Rate: 20% (£12,571 to £50,270)
- • Higher Rate: 40% (£50,271 to £125,140)
- • Additional Rate: 45% (over £125,140)
Scotland
- • Personal Allowance: £12,570
- • Starter Rate: 19% (£12,571 to £15,397)
- • Basic Rate: 20% (£15,398 to £27,491)
- • Intermediate Rate: 21% (£27,492 to £43,662)
- • Higher Rate: 42% (£43,663 to £75,000)
- • Advanced Rate: 45% (£75,001 to £125,140)
- • Top Rate: 48% (over £125,140)
National Insurance
- 8% on earnings between £12,570 and £50,270 per year
- 2% on earnings above £50,270 per year
- No NI contributions on earnings below £12,570
Student Loan Thresholds
- Plan 1: 9% of income above £26,065
- Plan 2: 9% of income above £28,470
- Plan 4 (Scotland): 9% of income above £32,745
- Plan 5: 9% of income above £25,000
- Postgraduate Loan: 6% of income above £21,000
Pension Contributions
- Qualifying Earnings: Contributions based on qualifying earnings (£6,240 - £50,270)
- Gross Earnings: Contributions based on total earnings
- Relief at Source: Contributions taken after tax with basic rate relief added automatically
- Salary Sacrifice: Contributions taken before tax and NI calculations
Note: This calculator provides estimates based on current rates and thresholds. Actual take-home pay may vary based on your specific circumstances and tax code.