United Kingdom, tax year 2026/27
UK Payslip Calculator
Take-home pay for 2026/27 after PAYE income tax, National Insurance, student loan and pension, worked out by the same engine that produces Swift Paystubs UK payslips.
Take-home pay · Month 7
£2,393.58
About a year (x 12)
£28,722.96
| Line | This payday | A year |
|---|---|---|
| Gross pay | £2,916.67 | £35,000.04 |
| Income Tax1257L | −£373.60 | −£4,483.20 |
| National InsuranceA | −£149.49 | −£1,793.88 |
| Net pay | £2,393.58 | £28,722.96 |
| Employer National Insurance | £374.95 | £4,499.40 |
Tax year 2026/27, pay date 2026-10-07. Employer contributions are shown for information and are not deducted.
- Income Tax is worked out cumulatively, as if you had the same pay in every earlier period of the tax year.
- Leave the tax code empty to use the standard code for your pay; enter the code on your payslip or HMRC letter to use that instead.
- Pension uses qualifying earnings with relief at source, the most common arrangement. The yearly figures multiply one period by the number of paydays in a year.
Deductions on a UK payslip in 2026/27
These are the deductions a UK payroll takes from pay, with the 2026/27 rates the calculator and the example on this page use.
- Income Tax (PAYE)
- Worked out cumulatively from the tax code. The standard code 1257L gives a Personal Allowance of £12,570. Above it, England, Wales and Northern Ireland pay 20% on the next £37,700, 40% up to £125,140 and 45% above. The allowance falls by £1 for every £2 of income over £100,000. Source
- National Insurance
- Class 1 contributions, worked out on each pay period separately. Most employees (category letter A) pay 8% on earnings between £1,048 and £4,189 a month (£242 and £967 a week) and 2% above. Source
- Student and postgraduate loans
- Repayments are 9% of pay above the plan’s threshold: £26,900 a year for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. Postgraduate loans are 6% above £21,000. Source
- Workplace pension
- Under automatic enrolment the minimum is 8% of qualifying earnings, of which the employer pays at least 3%. Qualifying earnings are pay between £520 and £4,189 a month. With relief at source the payslip deducts 80% of the employee’s share; under a net pay arrangement the full share comes off before tax. Source
- Employer National Insurance
- The employer pays 15% on earnings above £417 a month (£96 a week). It is not deducted from pay; many payslips print it for information. Source
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Rates checked against GOV.UK and HMRC publications for 2026/27. Swift Paystubs creates documents from the details entered and does not give tax or legal advice. A payslip must reflect pay actually made and reported to HMRC.