Take-Home Pay Calculator (2026/27)
Your salary after income tax, National Insurance, student loan and pension for the 2026/27 tax year. Shows the 60% trap between £100,000 and £125,140 and how much pension gets you out of it.
Questions people ask
What is the personal allowance for 2026/27?
£12,570. It shrinks by £1 for every £2 of income above £100,000, so it is gone completely by £125,140.
How much National Insurance do employees pay?
8% on earnings between £12,570 and £50,270 a year, then 2% above that.
When do student loan repayments start?
Plan 1: 9% of income above £26,900; Plan 2: 9% of income above £29,385; Plan 4 (Scotland): 9% of income above £33,795; Plan 5: 9% of income above £25,000; Postgraduate: 6% above £21,000.
Why is the tax rate at £100,000 so high?
Between £100,000 and £125,140 you lose £1 of tax-free allowance for every £2 earned, so each extra pound is taxed at 40% plus the 40% on the lost allowance — an effective 60% before National Insurance. Pension contributions bring adjusted income back under £100,000.
Does salary sacrifice change the result?
Yes. Salary sacrifice reduces the pay that National Insurance and student loan repayments are worked out on, not just income tax. A normal net-pay pension only reduces income tax.
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