Net salary in United Kingdom (2026)
net_salaryRead-onlyIdempotent
Take-home pay for an employee in United Kingdom from a gross yearly salary in GBP, with 2026 rules: every tax and contribution itemised with its local name, the effective and marginal rate, employer cost and the step-by-step workings. Covers: 2026/27 rest-of-UK and Scottish bands, allowance taper above £100k; Class 1 NI, employer NI at 15% above £5,000; Pension by salary sacrifice, net pay or relief at source; Student loan plans 1, 2, 4, 5 and postgraduate; Child Benefit and the High Income Child Benefit Charge.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| region | No | Where you live: ruk = England, Wales or Northern Ireland; scotland = Scotland. Default ruk. | |
| children | No | Number of dependent children. Default 0. | |
| postgrad | No | Postgraduate loan Default false. | |
| fx_per_eur | No | Exchange rate: 1 euro = this many GBP, for the euro amounts. Default 0.84 (indicative). | |
| pension_pct | No | Voluntary employee pension contribution through payroll, % of salary. Default 0. | |
| bonus_annual | No | Yearly bonus in GBP. Default 0. | |
| gross_annual | Yes | Gross yearly salary in GBP, without bonus | |
| student_loan | No | Student loan: none = None; plan1 = Plan 1; plan2 = Plan 2; plan4 = Plan 4 (Scotland); plan5 = Plan 5. Default none. | |
| child_benefit | No | Claim Child Benefit. With children: Child Benefit is shown, and above £60,000 the charge that claws it back. Default true. | |
| pension_method | No | How pension is paid. Salary sacrifice saves tax and NI; net pay saves tax; relief at source is paid from net pay and HMRC adds 25%.: sacrifice = Salary sacrifice; netpay = Net pay arrangement; ras = Relief at source. Default sacrifice. |