Bring-Home Pay Calculator (2026/27)
Quick answer
Our bring home pay calculator shows the money you actually keep each payday in plain English, so there are no surprises when your wages land. Work out the pay you bring home after income tax and National Insurance, shown per week, month and year, using official UK 2026/27 rates.
Just enter your gross salary and we will break down the deductions for you, making it easy to budget and see exactly where your money goes before it reaches your bank account.
Use the Bring-Home Pay 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 Pay Calculator result means
The Bring-Home Pay 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
The pay you actually bring home
"Bring-home pay" is just another way of saying the money that reaches you after tax - and it's the number that counts. This bring-home pay calculator takes your gross salary and deducts income tax, National Insurance and any pension or student loan, leaving the pay you genuinely bring home, shown per week, month and year. It uses the official 2026/27 UK rates for an accurate, up-to-date result.
Knowing your bring-home pay helps with everything from a job offer to a monthly budget. The gross figure on a contract is rarely what you keep, and seeing the after-tax number turns an abstract salary into something you can plan around.
From salary to bring-home pay
The deductions between gross and bring-home pay are the same ones that apply to every UK employee: your tax-free Personal Allowance, income tax through the bands above it, employee National Insurance on earnings over the threshold, and any pension or student loan. The calculator applies each in turn and shows the result clearly. To see the moving parts individually, the Income Tax Calculator and National Insurance Calculator break them out.
Comparing job offers on bring-home pay
When you're weighing up a new role, compare offers on bring-home pay rather than gross salary - two jobs with the same headline figure can leave you with different amounts once pension schemes, location-based factors and benefits are considered. A pay rise is best understood the same way: our Pay Rise Calculator shows how much of an increase you actually keep after tax. For the standard salary view, the Take-Home Pay Calculator is the companion tool, and the Salary Comparison Calculator lets you compare two figures side by side.
Keeping more of your pay
The most dependable way to improve your position is pension contributions, which reduce the tax deducted from your pay - see the Salary Sacrifice Calculator. Also make sure your tax code is correct, as a wrong code is a frequent reason people bring home less than they should; the Tax Code Checker explains yours. For the official rates behind the calculation, see GOV.UK's income tax rates and National Insurance guidance.
Related take-home calculators
For other framings of the same question, see the Bring-Home Income Calculator, the Take-Home Paycheck Calculator for each pay packet, or the Take-Home Wage Calculator for hourly work - all on the same accurate engine.
A worked example
Imagine you're offered £42,000 in England, paid monthly, tax code 1257L. After the £12,570 Personal Allowance, £29,430 is taxed at 20% (about £5,886), and employee National Insurance applies above the threshold. The calculator shows the resulting bring-home pay per month and year - the figure you'd actually budget around. Compare that with a £44,000 offer and you'll see the extra £2,000 gross translates into a smaller increase in bring-home pay, because tax and National Insurance take their share. That gap between a gross rise and the bring-home rise is exactly what this tool makes visible.
Comparing offers the right way
When two jobs quote similar salaries, bring-home pay can still differ once you factor in pension schemes, salary sacrifice arrangements, and benefits. A role with a generous pension might show slightly lower take-home now but build far more for your future; a role with a company car or other benefits has its own tax treatment. Always compare the bring-home figures, not just the headline salaries - and use the Salary Comparison Calculator to put two side by side. For a pay rise in your current job, the Pay Rise Calculator shows how much you'll keep.
Keeping more of what you earn
The two most reliable ways to protect your bring-home pay are getting your tax code right and using pension contributions wisely. An incorrect code can quietly cost you for months before anyone notices - check yours with the Tax Code Checker. Pension contributions, meanwhile, reduce the tax taken from your pay, so they cost less than their face value; the Salary Sacrifice Calculator shows the effect of sacrificing salary for pension. For the annual salary view, the Salary Calculator and Take-Home Pay Calculator complete the set.
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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