Updated for 2026/27 Tax Year

UK Take-Home Pay Calculator

Know exactly what you Keep

Free UK salary calculator for PAYE, contractors, and the self-employed. See your take-home pay after tax, National Insurance, pension and student loans — instantly.

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Monthly take-home
£0
Annual tax paid
0%
Effective rate
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£
Blind Person's Allowance (+£3,250)
Marriage Allowance (transfer in)
Exempt from National Insurance
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£
£
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Estimated Take-Home Pay
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per month
0%
Effective Rate
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Marginal Rate
Take-Home (Annual)
£0
Income Tax
£0
National Insurance
£0
Pension
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Full Breakdown

Annual Pay Statement

Every deduction explained in detail

ComponentAnnualMonthlyWeeklyDaily
Gross Income£0£0£0£0
Personal Allowance£12,570–––
Taxable Income£0–––
Income Tax£0£0£0£0
National Insurance£0£0£0£0
Pension£0£0£0£0
Take-Home Pay£0£0£0£0
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Frequently Asked Questions

PayKeep calculates take-home pay using publicly available UK HMRC tax thresholds and standard PAYE assumptions. Results are estimates — your actual deductions may vary based on your personal tax code, employer payroll practices and individual circumstances.
Yes. PayKeep includes all six Scottish income tax bands for 2026/27 — Starter (19%), Basic (20%), Intermediate (21%), Higher (42%), Advanced (45%) and Top (48%). Simply select "Scotland" from the Region dropdown.
Yes, PayKeep is completely free. No registration, no login and no subscription required. All calculations happen directly in your browser — no salary data is ever sent to our servers.
Yes. Under Advanced Options you can enter a pension contribution percentage and choose between Relief at Source, Salary Sacrifice and Net Pay Arrangement. Salary sacrifice also reduces your National Insurance — the calculator shows both the tax and NI saving separately.
Between £100,000 and £125,140, your Personal Allowance is reduced by £1 for every £2 you earn. This creates an effective 60% marginal tax rate. PayKeep detects this automatically and shows you exactly how much extra pension you could contribute to escape it.
Yes. PayKeep supports all five UK student loan plans with the correct 2026/27 thresholds: Plan 1 (£26,900), Plan 2 (£29,385), Plan 4 Scotland (£33,795), Plan 5 (£25,000) and the Postgraduate Loan (£21,000).