01
What this includes
The estimate covers Income Tax, employee Class 1 National Insurance, optional pension and student-loan deductions and, when selected, the reported social-care levy proposal.
Clear. Accurate. Independent.
UK PAYE CALCULATOR · 2026/27
Know where
your salary goes.
Before tax, National Insurance and pension deductions
Proposal
Include proposed social-care levy
1.8% on earnings above £6,240 for workers over the age of 34.
Pension and student loansAdd optional payslip deductions
Pension
%
Salary sacrificeReduces pay used for tax and NI
Student loan
Uses the published 2026/27 repayment threshold for your plan.
With salary sacrifice off, pension tax relief is estimated as a workplace net-pay arrangement. Relief-at-source schemes may differ.
Your estimated take-home pay
£33,116
a year
Income Tax 14.0%£5,886
Employee National Insurance 5.6%£2,354
Proposed social-care levy 1.5%£644
PROPOSED 1.8% above £6,240 · workers over the age of 34
Total deductions£8,884
i Based on 2026/27 PAYE rates and a standard tax code.
! The 1.8% levy is a reported proposal and is not current law.
02
Useful payslip options
Add a pension percentage, choose qualifying earnings or full salary, select salary sacrifice and include the appropriate student-loan plan.
03
The cost to your employer
At this salary, estimated employer National Insurance is £5,550, making the employment cost £47,550 before pension or benefits.
METHODOLOGY & SOURCES
Built on published rates.
Calculations use annualised thresholds and round displayed figures to the nearest pound. Actual PAYE can differ slightly by pay period.
- HMRC: Income Tax rates and Personal Allowances
- HMRC: 2026/27 PAYE and National Insurance thresholds
- Scottish Government: 2026/27 Scottish Income Tax
- The Pensions Regulator: qualifying earnings thresholds
- HMRC: 2026/27 student-loan plans and thresholds
- The Telegraph: Workers face new tax to fund social care
This calculator provides an estimate, not financial or tax advice. Rates checked 29 July 2026.