UK PAYE tax calculator 2026/27
Estimate monthly and annual take-home pay after tax, National Insurance, pension and student loans.
How the PAYE tax estimate works
The PAYE calculator treats the entered salary, bonus and overtime as an even annual pay pattern, deducts the selected salary-sacrifice pension, then applies 2026/27 Income Tax, employee National Insurance and student-loan rules.
Rules checked
Read the checking method
What the result includes
- UK or Scottish non-savings Income Tax bands
- Employee Class 1 National Insurance on post-sacrifice pay
- Plan 1, 2, 4 or 5 and postgraduate-loan deductions
What to have ready
- Gross contractual salary and expected variable pay
- Salary-sacrifice percentage confirmed by the scheme
- Current student-loan plan and Income Tax region
Questions about PAYE tax
Why can the result differ from a payslip?
Payroll calculates each pay period using the tax code, year-to-date figures and statutory rounding. Bonuses, irregular pay, benefits and a non-standard code can all change a month.
Can a net-pay or relief-at-source pension be entered here?
This core PAYE page models salary sacrifice only. The side-hustle calculator distinguishes salary sacrifice, net pay and relief at source when that detail affects the extra-income estimate.
Built for a straightforward PAYE payslip
Uses the 2026/27 Personal Allowance, UK or Scottish Income Tax bands, employee Class 1 National Insurance and current student-loan thresholds. Payroll timing and non-standard tax codes can change the exact result.