Bring-Home Income Calculator (2026/27)
Quick answer
Our bring home income calculator shows in plain English how much of your salary you actually keep once the deductions are done. See how much income you actually bring home after tax and National Insurance - the spendable figure for your household budget - on 2026/27 UK rates.
Just enter your gross pay and we will work out your monthly and yearly take-home figure, so you know what really lands in your bank account before you plan your budget.
Use the Bring-Home Income Calculator
Your salary
Take-home pay
per · you keep of your salary
- Gross pay
- Pension
- −
- Income Tax
- −
- National Insurance
- −
- Student loan
- −
- Take-home pay
take-home per working day
effective hourly
On your next £100 of salary you keep - a marginal rate of .
What your Bring-Home Income Calculator result means
The Bring-Home Income Calculator does more than show a number. Below your result it explains what your figures mean in practice - your effective and marginal rates, any allowances or thresholds you are close to, and the specific steps to take next. Enter your details above and the guidance updates to match your situation.
Do this next, in order
Estimates only - not financial or tax advice. Confirm figures on GOV.UK or with an adviser.
Take-home across salaries
Your salary of sits on the curve. Notice the dip where the £100k Personal Allowance taper bites.
| Band | Rate | Taxed amount | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £0 | |
Compare saved scenarios
| Scenario | Gross | Take-home / yr | / month | Kept | |
|---|---|---|---|---|---|
Source: GOV.UK official rates
How much do you really bring home?
For most households, the question isn't "what's my salary?" but "what do we actually bring home?" This bring-home income calculator answers exactly that: it deducts income tax, National Insurance and other payroll deductions from your gross pay and shows the income you bring home each month and year. It runs on the official 2026/27 UK rates, so it's a figure you can build a household budget around.
Bring-home income is the foundation of sensible budgeting. Rent or mortgage, bills, food and savings all come out of what you bring home - not your gross salary - so knowing the real number is the first step to managing money well.
What comes out before you bring it home
Between your gross pay and the money you bring home sit several deductions. Your tax-free Personal Allowance is protected; the rest is taxed through the income tax bands; employee National Insurance applies above the threshold; and pension or student loan repayments reduce the figure further. This calculator applies them all and shows your bring-home income clearly. To examine any single deduction, try the Income Tax Calculator or National Insurance Calculator.
Budgeting around your bring-home pay
Once you know what you bring home, the next step is making it work. A common starting point is to split bring-home income across needs, wants and savings, adjusting to your circumstances. Our Budget Planner helps you map income against outgoings, and the Cost of Living Calculator puts your figure in context. For two-income households, run each earner through the calculator and add the results for your true combined bring-home income.
Increasing what you bring home
Short of a pay rise, the most effective lever is usually your pension: contributions reduce the tax taken from your pay, so they cost less than they appear to - the Salary Sacrifice Calculator shows how. Make sure your tax code is right, too, as an incorrect code is a common reason people bring home less than they should; check it with the Tax Code Checker. For the official tax and NI figures, see GOV.UK's income tax rates.
Related calculators
Prefer another framing? The Bring-Home Pay Calculator, Take-Home Income Calculator and Take-Home Pay Calculator all answer the same question with the same accurate engine and 2026/27 rates.
A worked example
Take a household where one partner earns £40,000 and the other £18,000, both in England. Run each through the calculator separately - because allowances and tax bands are individual - and you'll see the £40,000 earner brings home proportionally less (more of their income is taxed) than the £18,000 earner, who keeps almost all of theirs after a small amount of tax and National Insurance. Add the two take-home figures together and you have the household's true bring-home income, which is the number to build your budget on.
This individual-then-combined approach matters because tax isn't charged on household income as a whole - each person has their own Personal Allowance and bands. It's also why, in some couples, shifting savings or certain income to the lower earner can be tax-efficient.
Building a budget that works
Once you know your bring-home income, a simple framework helps: cover essentials first (housing, bills, food), then commit a portion to savings or debt repayment, and leave the rest for everyday spending. The exact split depends on your circumstances, but budgeting from bring-home rather than gross income keeps the plan realistic. Our Budget Planner turns your figure into a working monthly budget, and the Savings Goal Calculator shows what you need to set aside to hit a target.
Bring-home income and life changes
Big life events change what you bring home: a pay rise (see the Pay Rise Calculator), going part-time (the Pro-Rata Salary Calculator), starting a family, or paying into a pension. Re-running this calculator when your circumstances change keeps your household budget accurate. It's especially worth checking after any change to your tax code, since an incorrect code is one of the most common reasons people bring home less than they should - the Tax Code Checker explains yours.
Reviewed by
Laura Michelle Davis - Chartered Tax Adviser (CTA)
ACCA · CTA (Chartered Tax Adviser) · ATT · BSc Economics, UC Berkeley
Laura Michelle Davis is a Chartered Tax Adviser (CTA) who also holds the ACCA and ATT qualifications and a BSc in Economics from UC Berkeley. She specialises in UK personal tax, covering income tax, National Insurance, self-employment and capital gains, and has built her career making complicated rules easy to follow. At TaxFly, Laura writes and edits the tax guides and explainers, checking that figures reflect current HMRC rates and that every explanation answers the question a real person is actually asking. Her goal is plain-English clarity you can trust and act on.
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Frequently asked questions
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