Take-home reckoner · 2026/27 tax year
Pick an employer band, region, pension contribution and student-loan plan. The reckoner returns monthly net pay after HMRC income tax (or Scottish income tax if Scotland is selected), employee NI Class 1, auto-enrol pension on qualifying earnings, and the relevant student-loan repayment.
Monthly net pay by employer band
Reckoner applies HMRC 2026/27 thresholds, NI Class 1 (8 percent main / 2 percent upper), Scottish income tax 2026/27 if Scotland is selected, 5 percent auto-enrol pension on qualifying earnings (£6,240 to £50,270), and student loan thresholds for Plan 1/2/4/5 and Postgrad. See how take-home is calculated.
What the reckoner models
HMRC tax thresholds 2026/27 (personal allowance £12,570, basic rate to £50,270, higher rate to £125,140, additional rate above; personal allowance taper above £100,000). Employee NI Class 1 (primary threshold £12,570, main rate 8 percent to upper earnings limit £50,270, 2 percent above). Pension on qualifying earnings (LEL £6,240 to UEL £50,270) at the chosen percentage. Student-loan thresholds at Plan 1 £26,900 / Plan 2 £28,470 / Plan 4 £33,795 / Plan 5 £25,000 / Postgrad £21,000.
Scottish income tax (when selected)
The six-band Scottish income tax 2026/27 is applied above the (UK-set) personal allowance: starter 19 percent to £14,876, basic 20 percent to £26,561, intermediate 21 percent to £43,662, higher 42 percent to £75,000, advanced 45 percent to £125,140, top 48 percent above. The reckoner switches automatically when Scotland is selected.
What the reckoner does not model
Marriage allowance, blind person's allowance, salary sacrifice, employer NI savings, professional subscriptions (e.g. CIEEM fee), childcare voucher schemes, statutory sick / maternity pay, regional variances on London weighting that diverge from the four standard cells, or any custom benefit-in-kind. Use the reckoner as a quick benchmark; for a formal payslip projection, your employer's payroll is authoritative.