SalaryCheckup
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Region, student loan plan and pension

Auto-enrolment minimum is 5%. Deducted via salary sacrifice before tax and NI.

Adds £3,070 to your Personal Allowance if registered blind.

Adds £1,260 if your spouse transfers 10% of their Personal Allowance. Only available to basic rate taxpayers (income ≤ £50,270).

England Paycheck Calculator 2026/27

Calculate your take-home pay in England with the free SalaryCheckup calculator for the 2026/27 tax year. England uses the standard UK income tax bands set by HMRC. Our calculator applies the correct rates for Income Tax, National Insurance, Student Loan repayments, and pension contributions. All calculations run entirely in your browser — your data never leaves your device.

England Income Tax Bands 2026/27

England uses the standard UK income tax bands set by HMRC for the 2026/27 tax year: - Basic Rate: 20% on income from GBP 12,571 to GBP 50,270 - Higher Rate: 40% on income from GBP 50,271 to GBP 125,140 - Additional Rate: 45% on income above GBP 125,141 The Personal Allowance is GBP 12,570, meaning no income tax is paid on the first GBP 12,570 of earnings. This allowance tapers by GBP 1 for every GBP 2 earned above GBP 100,000, reaching zero at GBP 125,140.

National Insurance 2026/27

National Insurance contributions are the same across all UK regions. For the 2026/27 tax year: - 8% on earnings between GBP 12,570 and GBP 50,270 per year - 2% on earnings above GBP 50,270 per year National Insurance is a UK-wide tax administered by HMRC and does not vary between England, Wales, Scotland, or Northern Ireland.

Tax Details for England

England uses the standard UK income tax bands set by HMRC. As the largest constituent country of the UK, England's tax rates are often referred to as the "rest of UK" (rUK) rates, shared with Wales and Northern Ireland. Scotland sets its own rates through devolved powers.

Student Loan repayments are the same across the UK. English students who started university between 2012 and 2023 typically repay under Plan 2 with a threshold of GBP 27,295, while those starting from 2023 onwards are on Plan 5 with a threshold of GBP 25,000.

Pension contributions work the same across the UK. Under auto-enrolment, the minimum total contribution is 8% of qualifying earnings (with at least 3% from the employer). Salary sacrifice pension contributions reduce both Income Tax and National Insurance, offering significant savings especially for higher-rate taxpayers.

Calculator by Region

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