CalculatorCentral.uk

PAYE Calculator UK

Enter your values below to get the result first, then scroll for the full explanation and guidance.

Step 1 • Add values

Use the calculator

Enter your values below to generate an instant result. You can update the inputs at any time to compare different scenarios.

Example: GBP 3,200 gross pay with tax code 1257L and 5% pension.

Results refresh instantly as values change.

Estimated average monthly net pay

£2,469.30Payroll estimate

Estimated average monthly net pay: £2,469.30 (Payroll estimate)

This 2026 to 2027 planning estimate annualises constant pay and divides annual tax, NI and student-loan amounts into equal periods. It does not model actual payroll-period withholding.

What this payroll run includes

This 2026 to 2027 planning estimate annualises constant pay and divides annual tax, NI and student-loan amounts into equal periods. It does not model actual payroll-period withholding.

Result snapshot

A quick visual read of the values behind this result.

Gross pay for period£3,200.00
Average income tax per period£398.50
Average employee NI per period£172.20
Average student loan per period£0.00
Average employer NI per period£417.50
Average employer cost per period£3,713.50

Recommended next checks

  • →Change the pay frequency, NI category, or pension arrangement to compare average-pay scenarios.
  • →Use the employer-cost lines below when budgeting the full employment cost.
Gross pay for period
£3,200.00
Average income tax per period
£398.50
Average employee NI per period
£172.20
Average student loan per period
£0.00
Average employer NI per period
£417.50
Average employer cost per period
£3,713.50

Pension is treated as a net pay arrangement: income tax falls, but NI and student-loan earnings do not. Contributions are based on full gross pay, not qualifying earnings. Student-loan amounts are annual averages without payroll-period rounding; use HMRC payroll software for actual payslips.

Try different values to compare results.

Use this PAYE calculator to estimate average 2026/27 take-home pay from a constant gross amount each pay period. Select your income-tax jurisdiction, NI category, pension arrangement and student-loan plan. This is an annual planning estimate, not a compliant payslip or exact PAYE deduction.

Fast to use

Built for comparison

Clear result output

Table of Contents

7

About PAYE Calculator UK

PAYE Calculator UK helps you work through the main numbers for this topic quickly with a simple input flow and an instant result.

Use the calculator result as a practical starting point, then review the explanation and assumptions on the page if you want more context.

How the PAYE estimate is calculated

The tool annualises gross pay, applies 2026/27 standard 1257L Income Tax, employee Class 1 NI and the selected student-loan threshold to the appropriate annual earnings bases, then divides the annual result into equal periods. Actual payroll uses pay-period and sometimes cumulative rules, so a payslip can differ.

Net pay pension versus salary sacrifice

A net pay pension contribution reduces taxable income but does not reduce Class 1 NI or student-loan earnings. Salary sacrifice reduces contractual cash pay for Income Tax, NI and student-loan purposes. Enter a percentage of full gross pay; this tool does not calculate qualifying-earnings contributions or relief-at-source pension top-ups.

Student loans and estimate limits

Plan 1, 2, 4 and 5 use their 2026/27 thresholds and 9% repayment rates; a postgraduate loan uses its threshold and 6% rate. One undergraduate plan and a postgraduate loan may be estimated together. Actual deductions use each payroll period and round according to HMRC rules; this page shows unrounded annual averages only.

Formula explained

Calculation flow

This calculator is structured for fast UK-focused estimates with clear inputs, repeatable logic, and instant results.

Formula

Input values -> calculation engine -> instant result

How the result is built

1Enter the values requested in the form.
2The calculator applies the configured formula logic.
3The result updates instantly with a breakdown.
4Use the output to compare scenarios quickly.

Example

Example: GBP 3,200 gross pay with tax code 1257L and 5% pension.

Assumptions

  • Constant gross pay and standard 1257L allowance treatment across the year; 2026/27 annual Income Tax, employee NI and student-loan estimates are divided into equal periods.
  • Pension percentage is applied to full gross pay, not qualifying earnings. Net pay reduces taxable pay only; salary sacrifice also reduces NI and student-loan earnings.
  • Relief-at-source pension contributions, other tax codes, cumulative PAYE and exact payroll-period rounding are excluded.

Source basis

  • UK-focused calculator flow
  • Structured input validation
  • Instant result breakdowns

Trust and notes

Assumptions and important notes

This calculator is designed to give a fast estimate using the method shown on the page. Results are most useful when your inputs are accurate and the tool matches your situation.

Use the result as guidance rather than a final diagnosis or professional decision. If the result could affect health, legal, financial, or compliance decisions, verify it with a qualified source where appropriate.

  • Constant gross pay and standard 1257L allowance treatment across the year; 2026/27 annual Income Tax, employee NI and student-loan estimates are divided into equal periods.
  • Pension percentage is applied to full gross pay, not qualifying earnings. Net pay reduces taxable pay only; salary sacrifice also reduces NI and student-loan earnings.
  • Relief-at-source pension contributions, other tax codes, cumulative PAYE and exact payroll-period rounding are excluded.

Method

UK calculator guidance

Last reviewed

April 17, 2026