Monthly salary after tax calculator UK 2026/27
Estimate how much gross monthly salary may remain after the deductions this calculator supports.
An annualised rUK estimate with each supported deduction shown separately.
Estimated take-home pay
See estimated deductions
- Gross salary
- £—
- Income Tax
- £—
- Employee National Insurance
- £—
- Pension contribution
- £—
- Student loan
- £—
Calculate monthly salary after tax
Enter gross monthly salary before deductions. The calculator annualises it by multiplying by 12, then applies the standard 2026/27 rUK Income Tax and employee National Insurance rules. It shows an annual, monthly and weekly estimated net figure with the deduction lines separated.
This answers a different question from monthly salary to hourly pay, which is a gross contract-rate comparison. Use this page when you want an annualised after-tax estimate.
Use gross monthly salary, not bank pay
Enter the contractual monthly pay before Income Tax, employee National Insurance, pension, student loan or other deductions. Choose a student-loan plan only when you have confirmed it, and use the pension input only for a net-pay percentage. Salary sacrifice and relief at source need different treatment.
Why an actual monthly payslip can differ
Payroll works by pay period and can use a personal tax code, cumulative PAYE, variable overtime, bonus payments or a pension method outside this model. The monthly result here is the annual estimate divided by 12. It is useful for comparing offers and budgets, but it is not a payroll promise.
Next step: compare pay formats fairly
Use hourly wage after tax when the offer is quoted by the hour. Use take-home pay when you have an annual gross salary, and use the reverse desired take-home calculator when you are working from a net target.
Monthly salary after tax questions
Does this use 12 equal monthly payments?
It annualises the gross input and divides the annual estimate by 12. Payroll can produce different monthly deductions.
Can I use a bonus in the monthly input?
Keep regular salary and one-off bonus separate. Use the bonus calculator for a transparent annualised scenario.
Does this cover Scotland?
No. Scottish Income Tax has different bands and requires a separate model.
Rates and sources
Built from direct government sources for the 2026/27 tax year. HMRC rates and thresholds · Income Tax rates and allowances · full source ledger.