UK PAYE Take-Home Calculator (2026/27)
The exact PAYE breakdown your payslip should show — updated for the 2026/27 UK tax year, with support for multiple jobs, all student loan plans, salary sacrifice and SIPP.
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.
How this calculator models PAYE income
Standard PAYE employment is the default UK tax regime for employees. Your employer deducts income tax and National Insurance from every payslip using your tax code (e.g. 1257L), and pays HMRC on your behalf. This calculator models that flow exactly: personal allowance with the £100k+ taper, basic / higher / additional-rate income tax bands, primary and upper-earnings-limit NI, and every UK student loan plan including Plan 5 (live from April 2026).
Frequently asked questions
What is PAYE in the UK?
PAYE (Pay As You Earn) is the UK system where employers deduct income tax and National Insurance from your salary before you're paid. HMRC assigns you a tax code (usually 1257L for a full personal allowance) which tells the employer how much tax to withhold each pay period.
How is my UK take-home pay calculated for 2026/27?
For 2026/27, the personal allowance is £12,570 (tapered by £1 for every £2 earned above £100,000), the basic rate 20% band runs to £37,700 of taxable pay, the higher rate 40% band runs to £125,140 total income, and the additional rate is 45% above that. Employee NI is 8% between £12,570 and £50,270, then 2% above.
Does the calculator support multiple jobs and student loans?
Yes. You can add additional jobs with their own tax codes (BR, D0, 0T are typical for second jobs), combine any UK student loan plan (Plan 1, 2, 4, 5, or Postgraduate), add workplace pension contributions via salary sacrifice, and personal SIPP contributions with tax relief modelling.
Compare other engagement types
Umbrella company take-home calculator for the UK 2026/27 tax year. Models the full payslip reconciliation: apprenticeship levy, employer's NI, employer's pension, company margin — then PAYE, NIC and student loans on your wages.
Take-home calculator for UK contractors caught by IR35 through a personal service company. The fee-payer applies PAYE-style treatment. Updated for the 2026/27 tax year.
Outside IR35 take-home calculator for the UK 2026/27 tax year. Models the full personal service company flow: director's salary, employer's NI, corporation tax (with marginal relief between £50k and £250k), dividends, and personal PAYE + dividend tax.