How take-home pay is worked out
Your personal allowance (£12,570) is tax-free. Income above it is taxed at 20% up to £50,270, 40% up to £125,140 and 45% above. National Insurance for employees is 8% between £12,570 and £50,270 and 2% above. Both are deducted through PAYE.
The £100k allowance taper
For every £2 you earn over £100,000, you lose £1 of personal allowance — fully gone by £125,140. This creates an effective 60% marginal rate in that band, which this calculator accounts for.
Frequently asked questions
Does this work for Scotland?
No — Scotland has its own income tax bands and rates. This estimate is for England, Wales and Northern Ireland.
Are pension and student loan included?
No. Pension salary sacrifice and student loan repayments would reduce your take-home further; this shows tax and NI only.
Which tax year is this?
2026/27. The personal allowance and higher-rate threshold remain frozen, as announced through to 2027/28.