2026/27 pay calculator
Civil service take-home pay calculator
Estimate take-home pay from pensionable civil service salary with alpha and related defined-benefit scheme contribution tiers.
Your details
Tax, pension & student loansStandard Income Tax · Scheme pension included · No student loan
Input guidance
- Annual gross salary (£)
- Before Income Tax, NI and employee pension deductions.
- Member of the pension scheme
- Models the cash deduction only. It does not value pension benefits or recommend opting out.
Your estimate
Average monthly take-home
£2,829.81
2026/27 estimate. Actual payslips can differ.
Pay breakdown
| Monthly average | Amount |
|---|---|
| Gross pay | £3,750.00 |
| Income Tax | £499.62 |
| National Insurance | £216.20 |
| Employee pension | £204.38 |
| Student loans | £0.00 |
| Take-home pay | £2,829.81 |
How this estimate works
Employee pension rate: 5.45%. Pension is deducted from the pensionable pay entered before Income Tax, but does not reduce NI. Annual pay is held constant throughout the tax year.
Includes your figures. Share only with people you choose.
More about this calculation
Enter your actual pensionable annual salary
Use the pay for your department, grade and working hours. There is no single salary table that applies to every civil-service employer. This tool treats the whole amount entered as pensionable.
Which pension schemes are covered
The 2026/27 member contribution tiers used here apply to classic, classic plus, premium, nuvos and alpha. The percentage is applied to the whole pensionable salary using net pay tax relief. Partnership is excluded.
What to check on your payslip
Non-pensionable allowances, salary sacrifice, arrears and a different tax code can change the result. The employer pension contribution is not deducted from your salary and is not included in your take-home.
Worked example
With these settings, average monthly take-home is £2,829.81. This example stays fixed when you change the calculator.
- Annual gross salary (£)
- £45,000
- Income Tax region
- England, Wales or Northern Ireland
- Member of the pension scheme
- Yes
- Undergraduate student loan
- None
- Postgraduate loan
- No
Annual gross pay of £45,000.00 minus Income Tax of £5,995.40, NI of £2,594.40, employee pension of £2,452.50 and student loans of £0.00 leaves £33,957.70 for the year.
Sources & assumptions
Checked 25 October 2026
- Civil Service pension contribution rates
- Income Tax rates
- National Insurance rates
- Student-loan repayments
Salary estimates assume a standard Personal Allowance, employee NI category A and even monthly pay. Individual tax codes, benefits and payroll adjustments can change your payslip.
Read the calculation assumptionsHow the salary calculation works