Take-Home Income Calculator (2026/27)

Your true net income, after everything

"Income" on paper and the income you can actually spend are rarely the same. This take-home income calculator shows your net income — what remains after income tax, National Insurance and other deductions — so you know the real figure behind your earnings. Built on the official 2026/27 UK rates, it turns a headline salary into the spendable income you live on.

Net income is the number that matters for budgeting, borrowing and planning. Lenders increasingly look at affordability based on take-home income, and households budget around it, so having a clear figure is genuinely useful.

From gross income to take-home income

The path from gross to net follows the UK tax system. Your Personal Allowance is tax-free; income above it is taxed through the bands; National Insurance applies to earnings over the threshold; and pension or student loan deductions reduce the figure further. The calculator applies each step and shows your take-home income per year, month and week. To see the components on their own, the Income Tax Calculator and National Insurance Calculator isolate each deduction.

More than one income source

Plenty of people have income from more than one place — a main job plus a side income, or two part-time roles. Each employment is taxed against your tax code, and a second job is often taxed at basic rate from the first pound because your Personal Allowance is usually used by the first job. If you're self-employed alongside employment, your profits are taxed through Self Assessment — our Self-Employed Tax Calculator covers that side. For the salaried picture, pair this with the Take-Home Pay Calculator.

Protecting your take-home income

Higher earners should watch two thresholds that quietly erode take-home income: the Personal Allowance tapers away between £100,000 and £125,140 (creating an effective 60% marginal rate), and various benefits fall away at £100,000. Pension contributions can restore some of this — see the Salary Sacrifice Calculator and Pension Tax Relief Calculator. For the official rules, GOV.UK explains the income tax rates and Personal Allowance.

Related take-home calculators

For different framings of the same question, see the Bring-Home Income Calculator, the Take-Home Paycheck Calculator for each pay packet, or the Payroll Take-Home Calculator for a payroll-deductions focus. They share the same accurate engine and 2026/27 rates.

A worked example

Consider a £45,000 salary in England. The £12,570 Personal Allowance is tax-free; the next £32,430 is taxed at 20% (about £6,486); and employee National Insurance applies above the threshold. The result is a take-home income noticeably lower than the £45,000 headline — and the calculator shows exactly how much, per year, month and week. Add a 5% pension contribution and your taxable income falls, nudging your tax down while building your retirement pot, so your take-home income drops by less than the full contribution.

For someone near £50,270, the calculator reveals an important threshold: income above it is taxed at 40%, so each extra pound of gross salary yields less take-home than it did in the basic band. Knowing where that line sits helps with decisions about pay rises, bonuses and pension contributions.

Take-home income and borrowing

Lenders increasingly assess affordability on take-home income rather than gross salary, because it reflects what you can genuinely repay. When you apply for a mortgage or loan, knowing your net income helps you judge what's realistic before you apply. Our Mortgage Affordability Calculator and Budget Planner work from the take-home figure this calculator gives you, so you can plan borrowing around money you actually receive.

When income comes from several places

If your income isn't a single salary — perhaps a job plus freelance work, or two part-time roles — your overall take-home income depends on how each source is taxed. Employment income is taxed through PAYE against your tax code; self-employment profit is taxed via Self Assessment, where you may also owe payments on account. Use the Self-Employed Tax Calculator for the self-employed portion and add it to your employed take-home for a complete picture of what you net across everything.