Our UK take-home pay calculator estimates how much salary remains after income tax, employee National Insurance, pension contributions and student-loan deductions for the 2026/27 tax year. It uses the standard £12,570 Personal Allowance, the £100,000 allowance taper, rest-of-UK income-tax bands and current annual student-loan thresholds. National Insurance is shown as an annual estimate for a standard employee; payroll systems calculate deductions by pay period and may round differently.