HMRC 2026/27 · Includes income tax, NI, pension, student loan & bonus.
1
Your Salary Details
Your gross salary before any tax, National Insurance, or deductions. Enter it in whichever pay period you're paid — we convert it to annual for the full calculation.
£
£15k£250k
Scotland has its own income tax rates set by the Scottish Parliament, which are different from the rest of the UK. National Insurance is the same across all regions.
Found on your payslip, P60, or P45. Tells HMRC how much of your income is tax-free. Most people on a standard salary use 1257L. Leave blank to use the default personal allowance of £12,570.
Your standard contracted hours per week. Used to calculate your equivalent hourly and daily rates. If you add overtime, this is also used to work out your base hourly rate.
2
Adjustments (optional)
A one-off payment on top of your salary, such as a performance or joining bonus. Taxed as regular income — income tax and National Insurance both apply on the full amount.
£
A standard workplace pension where contributions are deducted from your pre-tax salary. Reduces your income tax but National Insurance is still charged on your full salary.
You give up part of your gross salary in exchange for a pension contribution. This reduces both your income tax and National Insurance, making it more tax-efficient than a standard pension contribution.
Student loan repayments are automatically deducted from your salary once your earnings exceed the threshold for your plan. Select the plan that matches when and where you studied.
An extra tax-free allowance of £3,070 for people registered as blind or severely sight-impaired with a local authority. Adds to your Personal Allowance, reducing the income you pay tax on.
Lets a lower-earning spouse or civil partner transfer £1,260 of their Personal Allowance to their partner, saving up to £252 in tax per year. Both must be married or in a civil partnership.
Extra hours worked beyond your standard week. Your overtime rate is applied on top of your equivalent hourly rate. Overtime income is taxed as regular income.
Some employers offer childcare costs via salary sacrifice, reducing both your income tax and National Insurance. Common for nursery fees, childminders, or childcare voucher schemes.
£26.05/week for your first child, £17.25/week for each additional child (2025/26 rates). If either parent earns over £60,000, the High Income Child Benefit Charge gradually claws this back — fully withdrawn at £80,000.
Monthly take-home
£2,993.30
£35,919.60 year · £2,993.30 month · £690.76 week
Take Home£35,920
Income Tax£6,486
Nat. Insurance£2,594
Effective rate
The percentage of your total gross income that goes to income tax + NI combined. Always lower than your headline rate because of the tax-free personal allowance.
20.2%
Marginal rate
The rate you'd pay on your next extra pound of income — a bonus, a raise, or overtime. This is the rate that matters when deciding whether to negotiate or put money into a pension.
20%
Personal allowance
The amount you can earn completely tax-free each year. No income tax is charged on the first £12,570. It reduces by £1 for every £2 earned above £100,000.
£12,570
Tax year
The HMRC tax year runs 6 April to 5 April. All tax bands, thresholds and NI rates shown apply to the selected year.
2026/27
Summary breakdown
Gross salary£3,750.00
Income Tax−£540.50
Nat. Insurance−£216.20
Take-home pay£2,993.30
Why might this differ from your payslip? This figure is an estimate based on a standard annual calculation — your payslip may show a different number for several reasons: HMRC can operate on a cumulative basis (adjusting tax as the year progresses), your employer may use a different NI or pension method, you may be on an emergency or non-standard tax code, or your payslip could include one-off items like back-pay or benefits-in-kind. Different calculators also use slightly different assumptions and rounding. Use this as a reliable guide, not an exact guarantee.
Where it goes.
Per £45,000 gross · 2026/27 tax year
Line itemShare of grossYearlyMonthlyWeeklyDailyHourly% of gross
Gross salary
£45,000.00
£3,750.00
£865.38
£173.08
£23.08
100.0%
Personal Allowance
Tax-free
£12,570.00
£1,047.50
£241.73
£48.35
£6.45
27.9%
Taxable income
After personal allowance
£32,430.00
£2,702.50
£623.65
£124.73
£16.63
72.1%
Income tax (basic · 20%)
−£6,486.00
−£540.50
−£124.73
−£24.95
−£3.33
14.4%
National Insurance
−£2,594.40
−£216.20
−£49.89
−£9.98
−£1.33
5.8%
Take-home pay
What lands in your account
£35,919.60
£2,993.30
£690.76
£138.15
£18.42
79.8%
Where you sit in the tax bands
Rest of UK · personal allowance £12,570
You · £45,000
£0£65,000
Personal allowance
£12,570
Tax-free
Basic rate (20%)
£32,430
Tax due: £6,486
England, Wales & NI income tax bands 2026/27
Standard rates — your personal allowance may differ based on your income or tax code.
Band
Taxable income
Tax rate
Personal Allowance
Up to £12,570
0%
Basic rate
£12,571 to £50,270
20%
Higher rate
£50,271 to £125,140
40%
Additional rate
Over £125,140
45%
⚠️ Over £100,000 the Personal Allowance is tapered — reduced by £1 for every £2 earned above £100,000, reaching £0 at £125,140. This applies in both Scotland and the rest of the UK, as the Personal Allowance is set by Westminster.
Purchasing power
Based on ONS CPIH 3.4% (Mar 2026). Shows whether your take-home keeps pace with the cost of living.
Behind inflation by £102/mo
At CPIH 3.4%, your take-home needs to reach £3,095/mo next year to maintain purchasing power.
Current: £2,993/mo97% of targetTarget: £3,095/mo
How do you compare?
Are you being paid what the market pays?
See how your salary stacks up against others in your role and region — backed by ONS data. Know your number before your next negotiation.
