Your take-home pay
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Breakdown
Every pay period at a glanceYour next £100
Cost to your employer
How your income is taxed
Things to know
Tax rate on each extra pound
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Common questions
How is take-home pay worked out?
We start with your gross pay, take off any salary sacrifice and pension, then work out income tax on what's left above your tax-free Personal Allowance. National Insurance is charged on your earnings above £12,570, and student loan repayments on earnings above your plan's threshold. What remains is your take-home pay. Switch on Show workings to see every step.
What are the income tax bands for 2026/27?
In England, Wales and Northern Ireland you pay nothing on the first £12,570, 20% up to £50,270, 40% up to £125,140 and 45% above that. Scotland has six bands, from 19% to 48%. See our full guide to 2026/27 tax rates.
How much National Insurance will I pay?
Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on anything above. You stop paying once you reach State Pension age. Salary sacrifice reduces the earnings NI is charged on.
Which pension type do I have?
Your payslip usually tells you. If the pension comes off before tax, it's a net pay arrangement. If your salary is reduced and your employer pays in, it's salary sacrifice. If your provider adds 20% tax relief afterwards, it's relief at source. Our guide explains how each type affects your pay.
When do I start repaying my student loan?
Repayments are 9% of earnings above your plan's threshold, or 6% for a Postgraduate Loan. In 2026/27 the thresholds are £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4, £25,000 for Plan 5 and £21,000 for postgraduate loans. Read more in our student loan guide.
Is London weighting taxed?
Yes. London weighting is part of your salary, so income tax, National Insurance and student loan repayments all apply to it. It usually counts towards your pension too.
What is the 60% tax trap?
Between £100,000 and £125,140 you lose £1 of tax-free allowance for every £2 you earn, so each extra pound is taxed at an effective 60%, or 62% with National Insurance. Pension contributions can bring you back below £100,000. Our 60% tax trap guide shows how.
Why is my payslip slightly different?
Payroll calculates tax and NI each pay period rather than over the whole year, so months with a bonus or overtime look different. An emergency tax code or benefits taxed through your code can also change individual payslips. Over a full year, your totals should be close to the figures here.