True Take-Home
UK take-home pay calculator for 2026/27 tax rates
About True Take-Home
True Take-Home is a UK pay calculator for employees, contractors and people weighing a job offer who want to see what actually lands in their bank account. It works out take-home pay from an annual salary, a monthly figure or an hourly wage, and itemises income tax, National Insurance, student loan repayments and pension contributions.
The site covers England, Wales, Scotland and Northern Ireland, with Scottish tax bands and all five student loan plans included. It also shows the marginal rate on your next pound, which helps when weighing a pay rise or a threshold such as the £100,000 taper. A set of related tools covers pensions, salary sacrifice, self-employed tax, IR35 and payslip checking.
The calculators run in the browser, need no account, and state that the figures use published 2026/27 HMRC rates. Each rate is linked to its source on the site, and a set of guides explains how the numbers are reached.
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