Every figure in this take home pay calculator comes from the same source your employer uses — the official Income Tax bands, National Insurance thresholds, and Personal Allowance published by HMRC for the 2026/27 UK tax year. Enter your gross salary below and you'll see a payslip-style breakdown that matches the arithmetic behind your real PAYE deductions.
HMRC does not offer its own take home pay calculator. This independent tool uses the same officially published 2026/27 tax bands and NI thresholds that HMRC mandates for all PAYE payroll calculations. Results match your payslip for standard tax codes.
Your Salary Details
How This Take Home Pay Calculator Matches HMRC Figures
The calculator applies the 2026/27 rates exactly as published by HMRC. Here are the primary sources it draws from:
- Income Tax bands: Personal Allowance of £12,570, Basic Rate of 20% up to £37,700 of taxable income, Higher Rate of 40% up to £125,140, Additional Rate of 45% above that
- National Insurance: Employee Class 1 rate of 8% between the Primary Threshold (£12,570/year) and Upper Earnings Limit (£50,270/year), and 2% above the UEL
- Personal Allowance taper: Reduced by £1 for every £2 of income above £100,000, fully withdrawn at £125,140
- Student loan thresholds: Plan-specific repayment thresholds as published by the Student Loans Company
Current HMRC Tax Year Rates
The 2026/27 tax year runs from 6 April 2026 to 5 April 2027. Here are the key HMRC figures this calculator uses:
Income Tax Rates (Rest of UK)
- Personal Allowance: £12,570 (0%)
- Basic Rate: 20% on £12,571 to £50,270
- Higher Rate: 40% on £50,271 to £125,140
- Additional Rate: 45% on income above £125,140
National Insurance Rates (Employees)
- Primary Threshold: £12,570 per year
- Main Rate: 8% (PT to UEL)
- Upper Earnings Limit: £50,270 per year
- Additional Rate: 2% (above UEL)
These figures are sourced directly from GOV.UK's Income Tax rates page and National Insurance guidance. The calculator is updated each April when new rates take effect.
When to Check Your HMRC Tax Code
Your tax code directly controls how much of the HMRC-published Personal Allowance your employer applies to your salary. The standard code is 1257L (giving the full £12,570 allowance), but yours may differ if you have untaxed income from other sources, company benefits, or if HMRC has adjusted your allowance for under- or overpayment from a previous year. Check your tax code on your payslip or through your HMRC Personal Tax Account online.
Frequently Asked Questions
HMRC does not offer a dedicated take home pay calculator. They publish the official tax rates, bands, and thresholds that all calculators use, and they provide tools for checking your tax code and estimating your overall tax position, but there is no HMRC-branded salary-to-net-pay calculator.
This calculator uses the exact Income Tax bands, National Insurance thresholds, and Personal Allowance figures published by HMRC for the 2026/27 tax year. The arithmetic is the same as your employer's PAYE payroll system, so results should match your payslip to within a few pence for standard tax codes.
No. This is an independent take home pay calculator. It is not affiliated with, endorsed by, or operated by HMRC or HM Government. It uses publicly available HMRC-published tax rates and thresholds to perform its calculations.
The official 2026/27 Income Tax rates are published at gov.uk/income-tax-rates. National Insurance rates and thresholds are at gov.uk/national-insurance. These pages are updated each April when the new tax year begins. This calculator is updated to match these published rates.
Enter your actual tax code into the calculator. Non-standard codes adjust your Personal Allowance — for example, 1100L gives a £11,000 allowance. Codes like BR (all Basic Rate) or D0 (all Higher Rate) are used for second jobs or specific tax situations. The calculator handles all standard numeric tax codes.
HMRC updates Income Tax and National Insurance rates annually, with changes typically announced in the Autumn Budget and taking effect from 6 April (the start of the new tax year). This calculator is updated each April to reflect the latest published rates and thresholds.
This take home pay calculator gives you the same numbers your employer's payroll system produces, using HMRC's own published rates. For a step-by-step walkthrough of exactly how each deduction is calculated, see our Tax and NI breakdown page, or explore the net pay comparison table across common UK salary bands.