Salary-sacrifice / net-pay pension - taken before tax is worked out.
National Insurance uses employee Class 1 (Category A) rates.
after tax & NI · 2026/27 · effective rate
Yearly
Monthly
Weekly
Estimate only - not tax advice. Excludes student loans & other deductions.
Your salary is marked along the curve. The kink near £100k is the Personal Allowance taper.
Effective tax rate
Marginal tax on next £1
Total deductions
The Rental Income Tax 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.
| Scenario | Income Tax | NI | Take-home | |
|---|---|---|---|---|