UK Take-Home Pay Calculator 2026/27 – Calculate Your Net Pay After Tax
The only UK calculator that models PAYE, Umbrella (Inside IR35), Limited Company (Inside IR35) and Limited Company (Outside IR35) side by side — with a full umbrella-payslip reconciliation and corporation-tax marginal relief on the outside-IR35 side. Updated for 2026/27.
No spam. No sales. Just accurate, transparent UK payroll numbers.
Standard PAYE salary calculator
Use this tab if you're a UK employee paid through PAYE. If you contract via an umbrella or a limited company, use the dedicated Umbrella or Limited (Inside / Outside IR35) tabs instead.
Primary job
Enter your main employment income details
Annual: £72,000.00 | Hourly (est.): £36.92
Used to derive hourly breakdown from your results
Standard code (L): personal allowance £12,570.
You can have both an undergraduate plan and a postgraduate loan at the same time. Both will be deducted from your take-home pay.
Pension & SIPP
Pensions & SIPP
SIPP amounts are assumed to be paid personally (net of basic-rate relief). Extra relief is estimated based on your combined marginal band.
Additional jobs
No extra jobs added yet. Click "+ Add job" to include more employment.
Take-home pay breakdown
Main job – Primary job
Headline net take-home: £50,229.40 / year (£4,185.78 / month)
- Gross pay (annual)
- £72,000.00
- Gross pay (monthly)
- £6,000.00
- PAYE income tax
- £14,792.00
- National Insurance
- £3,378.60
- Workplace pension (employee)
- £3,600.00
- Student loans
- Included in combined totals below
- Net take-home (annual)
- £50,229.40
Combined across all jobs
Estimated PAYE take-home after income tax, NI, pension and SIPP.
Net take-home (monthly)
£4,185.78
- Gross pay (annual)
- £72,000.00
- PAYE income tax
- £14,792.00
- National Insurance
- £3,378.60
- Workplace pension (employee)
- £3,600.00
- Net take-home (annual)
- £50,229.40
Curious how this compares to others in the UK on a similar salary?
These figures are estimates based on current UK PAYE rules and your inputs. They're for guidance only and not an official HMRC calculation.
Compare with contracting
Same £72,000.00/year gross under all four engagement types.
If you were contracting at an equivalent day rate instead of being on PAYE payroll, this is how the same annual income would break down under an umbrella (Inside IR35), a limited company inside IR35, or a limited company outside IR35 — UK 2026/27 tax year. The Standard PAYE figure matches your combined take-home above.
Standard PAYE employment
PAYEAnnual take-home
£52,317.40
£4,359.78 / month
- Effective tax rate
- 27.3%
- vs. Standard PAYE
- Baseline
As if you were on payroll with the same annualised salary.
- Lowest net
Umbrella company
Inside IR35Annual take-home
£46,512.38
£3,876.03 / month
- Effective tax rate
- 35.4%
- vs. Standard PAYE
- −£5,805.02 vs PAYE
Includes £25/week margin, employer NI, apprenticeship levy — modelled like a real payslip.
Limited (Inside IR35)
Inside IR35Annual take-home
£52,317.40
£4,359.78 / month
- Effective tax rate
- 27.3%
- vs. Standard PAYE
- Baseline
PAYE-style deemed employment via the fee-payer.
- Highest net
Limited (Outside IR35)
Outside IR35Annual take-home
£52,324.58
£4,360.38 / month
- Effective tax rate
- 27.3%
- vs. Standard PAYE
- +£7.18 vs PAYE
NI-optimal salary + dividends, with corporation-tax marginal relief.
Gap between the best and worst option: £5,812.20 / year on the same working assumptions.
Coverage
Compare PAYE, Umbrella, and Limited Company take-home pay. Calculate multiple jobs, all student loan plans (1, 2, 4, 5, and Postgraduate), and see how IR35 status affects your net pay.
Transparency
Clear breakdowns of gross pay, income tax, National Insurance, student loan repayments, and pension contributions on every calculation. See exactly where your money goes.
Privacy-first
Your calculations run in your browser. We don't collect, store, or share your salary information — nothing to sign up for, nothing to remember.