Take-Home Pay Calculator
Calculate your net take-home pay as an employee under UK PAYE. Includes income tax, employee NI, student loan repayment and salary-sacrifice pension. Uses 2026/27 rates.
Take-Home Pay Calculator
Calculate your net take-home pay as an employee under UK PAYE. Includes income tax, employee NI, student loan repayment and salary-sacrifice pension. Uses 2026/27 rates.
Salary sacrifice pension reduces your pensionable pay before tax is calculated.
PAYE calculation only. Does not model HICBC, savings income or other sources.
Want personalised advice on these figures?
Our team works exclusively with agency founders. We can review your situation and confirm how these calculations apply to you.
How UK PAYE works
Under PAYE, your employer deducts income tax, employee NI and student loan repayments before paying you. The personal allowance (£12,570 in 2026/27) is the amount you can earn before income tax starts.
Salary-sacrifice pension contributions reduce your taxable pay, saving both income tax and employee NI on the sacrificed amount.
Frequently asked questions
- What are the student loan thresholds?
- For 2026/27: Plan 1 (pre-2012 English/Welsh loans) £26,900. Plan 2 (post-2012 English/Welsh) £29,385. Plan 4 (Scottish) £33,795. Plan 5 (post-Aug 2023) £25,000. Postgraduate £21,000. All rates 9% except postgraduate at 6%.
Want a tailored model for your agency?
Book a free call. We will model your actual position factoring in your specific circumstances, retained earnings and exit timeline.
Book a free call