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Payroll Calculator

Estimate annual take-home pay and employer cost for a standard employee in England, Wales or Northern Ireland.

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An annual planning estimate

Uses the 2026/27 Personal Allowance of £12,570, including its taper above £100,000, and Income Tax bands for England, Wales and Northern Ireland. Category A employee NI is 8% between the annual thresholds and 2% above; employer NI is 15% above £5,000.

Assumes one job for a full year, standard allowance entitlement and no other income. Excludes Scotland, pension contributions, salary sacrifice, student loans, benefits, special NI categories and Employment Allowance.

NI uses annual thresholds. Average monthly take-home is annual net pay divided by twelve; actual payslips can differ because payroll uses pay-period thresholds, tax codes and rounding. See HMRC employer rates.

Tax year: 6 April 2026 to 5 April 2027. See our 2026/27 tax rates and sources. This is an estimate under the assumptions above, not a tax return or individual advice.

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