£
UK Salary, Tax & NI Calculator
Tax year 2026/27 · 6 April 2026 – 5 April 2027
2026/27 rates
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Income
Salary entered as
Annual
Monthly
Weekly
Gross salary (£)
Where you pay income tax
England, Wales & Northern Ireland
Scotland
At or above State Pension age (no employee National Insurance)
Pension
Contribution type
No pension contribution
Salary sacrifice (reduces tax & NI)
Net pay / relief at source (reduces tax only)
Contribution amount
%
£/yr
Percentage is applied to gross annual salary.
Student & Postgraduate Loans
Undergraduate plan
No student loan
Plan 1 (£26,900 threshold)
Plan 2 (£29,385 threshold)
Plan 4 — Scotland (£33,795 threshold)
Plan 5 (£25,000 threshold)
Also repaying a Postgraduate Loan (£21,000 threshold, 6%)
Advanced
Dividend income & employer costs
Additional annual dividend income (£)
Approximate: dividend tax uses UK-wide bands (not devolved to Scotland) and is calculated after the £500 dividend allowance.
Employee is under 21 / an apprentice under 25 (raises employer NI threshold to £50,270)
Annual take-home
£0
of £0 gross
Monthly take-home
£0
12 payments a year
Weekly take-home
£0
52 payments a year
Effective tax + NI rate
0%
Marginal rate 0%
Where your salary goes
£0
take-home / yr
Full breakdown
Item
Yearly
Monthly
Weekly
Income tax by band
Band
Rate
Amount taxed
Tax
National Insurance by band
Band
Amount
NI
Student / Postgraduate loan repayments
Plan
Amount above threshold
Repayment
Dividend tax
Band
Amount
Tax
Cost to employer
(does not affect your take-home pay)