UK Payslip Calculator Guide 2026/27
Free PAYE, NI and deductions estimator · Last updated June 2026 · Not a substitute for certified payroll software
GetPayslip is a free, browser-based payslip estimator built for UK employees, employers, sole traders and company directors. It estimates PAYE income tax, National Insurance, student loan repayments, pension contributions, attachment of earnings orders and other deductions to produce a formatted payslip you can download as a PDF.
All calculations happen entirely in your browser. No payroll data is ever sent to or stored on our servers. GetPayslip requires no account and no sign-up.
Important disclaimer
GetPayslip is provided as a free guidance tool only. The figures produced are
estimates and may not reflect your actual payslip. UK payroll is complex and subject to frequent change. You are solely responsible for verifying all calculations before using them for any official purpose. If you are unsure, consult a qualified payroll professional or accountant, or visit
GOV.UK — Running payroll.
2026/27 income tax rates (England, Wales, Northern Ireland)
| Band | Taxable income | Rate |
|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Scottish taxpayers pay income tax at different rates set by the Scottish Government. GetPayslip supports Scottish tax rates via the tax code selector.
2026/27 National Insurance (Class 1 employee)
| Earnings | Rate |
|---|
| Up to £12,570 (Primary Threshold) | 0% |
| £12,571 – £50,270 (Upper Earnings Limit) | 8% |
| Above £50,270 | 2% |
2026/27 student loan thresholds
| Plan | Annual threshold | Rate |
|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 (Scotland) | £33,795 | 9% |
| Postgraduate | £21,000 | 6% |
How to read your payslip
A UK payslip must show your gross pay (total before deductions), each deduction itemised separately, and your net pay (take-home amount). Common items you'll see:
- PAYE — Pay As You Earn income tax, deducted by your employer under your tax code
- NI (Employee) — Class 1 National Insurance contributions
- Pension — auto-enrolment contributions; minimum 5% employee, 3% employer on qualifying earnings
- Student loan — deducted automatically if you earn above your plan threshold
- Tax code — shown on your payslip; 1257L is the standard code for most employees
- NI category — usually A for most employees; affects NI calculation
Pension auto-enrolment
All eligible employees must be automatically enrolled in a workplace pension. The minimum contribution in 2026/27 is 8% of qualifying earnings (between £6,240 and £50,270), split as at least 3% from the employer and 5% from the employee. GetPayslip models both auto-enrolment and custom contribution rates.
Also from the Get Suite
GetPayslip is part of a suite of free UK business and finance tools. Also try GetInvoice.co.uk for free HMRC-compliant PDF invoices, GetVAT.co.uk for our free VAT calculator, GetMileage.co.uk for HMRC mileage allowance calculations at the new 55p rate, GetStudentLoan.co.uk for student loan repayment projections, GetTimesheet.co.uk for free UK timesheet generation, GetSalary.co.uk for take-home pay calculations, and GetDividend.co.uk for dividend tax calculations.