Take-Home Pay Calculator

2026/27 Methodology: Personal Allowance £12,570 · Basic Rate 20% (£12,571–£50,270) · Higher Rate 40% (£50,271–£125,140) · Additional Rate 45% above £125,140. NI: 8% on earnings £12,570–£50,270, 2% above. Self-employed Class 4 NI: 6% on profits £12,570–£50,270, 2% above. Pension options model salary sacrifice, net pay and relief at source differently; the calculator extends tax bands where appropriate and applies the personal-allowance taper to adjusted net income.