UK take-home pay calculator
Estimate your net income after income tax, National Insurance, pension, and student loan for 2026/27. Built for UK employees, directors, and contractors.
How is UK take-home pay calculated?
Take-home pay is your gross salary minus income tax, National Insurance, pension contributions, and student loan repayments. For 2026/27 the personal allowance is £12,570; the basic rate (20%) applies to taxable income between £12,571 and £50,270, the higher rate (40%) between £50,271 and £125,140, and the additional rate (45%) above £125,140. Employee Class 1 NI is 8% between £12,570 and £50,270, and 2% above. The calculator below applies these rates to your inputs.
Your Profile
Combined salary and dividend income for company directors and shareholders.
Income
Deductions and Settings
Estimated Take Home Pay
£47,873.75
per year
Gross Income
£52,570.00
Income Tax
£0.00
National Insurance
£0.00
Dividend Tax
−£4,696.25
Total Deductions
−£4,696.25
Effective Tax Rate
8.9%
Income Breakdown
Insight
Dividend tax makes up the largest part of your deductions. Dividend income is taxed differently from salary, which changes the take home result. As a director or shareholder, your actual position depends on how salary, dividends, pension, and company profits are structured.
These figures are estimates based on published HMRC rates and thresholds. They do not constitute tax advice. For personalised guidance, speak to an accountant.
Compare Income Structures
See how different salary and dividend splits could affect your estimated take home pay.
Salary Heavy
Estimated Take Home
£41,370.50
Balanced
Best EstimateEstimated Take Home
£47,873.75
Dividend Optimised
Estimated Take Home
£46,633.22
These scenarios are simplified estimates. Actual results depend on company profits, employer NI, expenses, and other factors. Speak to an accountant for tailored advice.
Want to optimise how you get paid?
Your actual tax position depends on salary structure, dividends, pension strategy, student loan position, and personal circumstances. RR Accountants helps directors, contractors, and business owners structure income more efficiently.
What This Calculator Includes
Income Tax
Estimate income tax based on your selected tax year and region.
National Insurance
See the impact of NI on your earnings.
Dividends
For directors and contractors, estimate how dividend income affects take home pay.
Student Loan and Pension
Factor in common deductions for a more realistic result.
This tool is designed to provide a useful estimate for planning purposes. For tailored advice on salary, dividends, tax planning, and remuneration strategy, speak with RR Accountants.
Frequently Asked Questions
Need help with salary planning, dividends, or tax strategy?
RR Accountants supports directors, contractors, employees, and growing UK businesses with tax planning, bookkeeping, payroll, year end accounts, and ongoing financial advice.