Income tax calculator

Take-home pay · 2026/27

Income tax calculator

Work out the income tax and National Insurance on a salary, and what's left as take-home pay — with the 2026/27 rates for England, Wales & Northern Ireland or Scotland.

Your details

GBP
£45,000
0%

Salary-sacrifice contribution, taken from gross pay before tax and National Insurance.

Take-home pay

£35,920a year

You keep 79.8% of your salary. Tax and National Insurance take £9,080.

Income tax

£6,486

National Insurance

£2,594

Effective rate

20.2%

Gross / yr £45,000

How your pay is taxed

2026/27 · annual
Assumptions. Uses 2026/27 rates: a £12,570 personal allowance (reduced by £1 for every £2 of income above £100,000, gone at £125,140), employee Class 1 National Insurance at 8% between £12,570 and £50,270 and 2% above, and the standard or Scottish income tax bands. It assumes employment income only under a standard tax code, no other income, and — where used — a salary-sacrifice pension. It excludes student loans, dividends, savings interest, benefits in kind, and the marriage allowance. National Insurance is UK-wide; only income tax differs in Scotland. A guide only, not tax advice.