UK salary calculator for 2026/27

How to use this calculator

Use this calculator to compare gross and take-home salary when a standard tax-code model is appropriate. Scotland is a real formula choice, not a language or hidden location preference.

1. Choose gross-to-net or target-net mode and enter weekly, monthly or annual pay.
2. Select Scotland or England/Wales/Northern Ireland.
3. Enter annual bonus, fixed taxable allowance and any evidenced adjusted-income reduction.
4. Check the Income Tax, employee NI, take-home result, effective dates and exclusions.

Worked example

Input

GBP 40,000 annual gross · England/Wales/Northern Ireland

Output

Income Tax GBP 5,486; employee NI GBP 2,194.40; annual net GBP 32,319.60

Changing only the region to Scotland produces a different Income Tax result because the Scottish bands are separate.

Method and formula

• Weekly pay is multiplied by 52 and monthly pay by 12 before the annual rule is applied.
• The GBP 12,570 Personal Allowance falls by GBP 1 for each GBP 2 of adjusted income above GBP 100,000 and reaches zero at GBP 125,140.
• The selected UK or Scottish progressive bands apply to taxable income; employee Category A NI is 8% between GBP 12,570 and GBP 50,270 and 2% above.
• Reverse mode solves gross through the same annual tax and NI engine; period outputs divide the annual result rather than assuming four-week months.

Included assumptions

• Standard Personal Allowance and regular annualised earnings.
• Category A National Insurance, one job and a full tax year.
• Employer NI is shown only as a limited 15% estimate above GBP 5,000.

Limits and exclusions

• Tax codes, pension relief, student/postgraduate loans, benefits in kind and multiple jobs are excluded.
• Irregular payroll timing and year-to-date withholding can differ from the annual liability estimate.
• Welsh future divergence and non-standard allowances are outside this rule package.

Privacy

Calculations run locally. Pay, region and deductions are not uploaded or embedded in the page URL.