SALARY CALCULATOR
SALARY TAX UK Calculator
See what actually lands in your bank each month after tax, National Insurance, pension and student loan, with a free calculator and Excel workbook.
Payslip Calculator
A payslip is four subtractions: pension, income tax, National Insurance and, for many, a student loan. Enter your salary and see all four on 2026/27 rates, month by month.
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Enter your salary to see the payslip.
Gross pay, monthly –
Pension –
Income tax –
National Insurance –
Student loan –
Your income after pension sits between £100,000 and £125,140, where the personal allowance tapers away and the true marginal rate on salary reaches roughly 60% before National Insurance. Pension contributions in this window are unusually valuable.
2026/27 rates for England, Wales and Northern Ireland, standard 1257L code, annual averaging: individual months can differ from real PAYE. Pension modelled as net pay, reducing income tax but not NI or student loan; salary sacrifice would reduce all three. Scotland taxes salary on different bands.
Take this calculator into Excel
The workbook version shows every step of all four deductions, keeps each rate and threshold in an editable cell, and adds a salary ladder across eight pay levels where the 60% trap between £100,000 and £125,140 becomes visible in a single column.
Download the Excel workbook Payslip looks wrong, or a tax code you cannot decode? Get in touchFAQs
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