2026/27 pay calculator
Reverse salary calculator
Find the annual salary needed for your target monthly take-home pay, including pension and student-loan deductions.
Your details
Tax, pension & student loansStandard Income Tax · No pension · No student loan
Input guidance
- Employee pension (% of all salary)
- Applied to the full salary entered, not qualifying earnings.
Your estimate
Estimated gross salary needed each year
£45,111.53
2026/27 estimate. Actual payslips can differ.
Pay breakdown
| Monthly average | Amount |
|---|---|
| Gross pay | £3,759.29 |
| Income Tax | £542.35 |
| National Insurance | £216.94 |
| Employee pension | £0.00 |
| Student loans | £0.00 |
| Take-home pay | £3,000.00 |
How this estimate works
A full-year estimate using the selected deductions. Monthly take-home is an annual average.
- Average monthly take-home
- £3,000.00
Includes your figures. Share only with people you choose.
More about this calculation
Start with the amount you need each month
Enter your target after deductions. The calculator searches for a gross salary using the same tax engine as our main salary calculator. Increasing pension contributions or selecting a student loan changes the gross salary required.
Use the result when comparing an offer
An advertised salary is normally gross pay. Compare that figure with the annual salary here, then check the employer’s pension basis and any taxable benefits. A result is an estimate, not a guaranteed payslip.
What this estimate assumes
The same salary is paid throughout 2026/27, with a standard Personal Allowance and employee NI category A. It excludes investment income, benefits, other jobs and changes during the year. The search supports salaries up to £2 million.
Worked example
With these settings, estimated gross salary needed each year is £45,111.53. This example stays fixed when you change the calculator.
- Target monthly take-home (£)
- £3,000
- Income Tax region
- England, Wales or Northern Ireland
- Employee pension (% of all salary)
- 0%
- Pension method
- Net pay: before Income Tax
- Undergraduate student loan
- None
- Postgraduate loan
- No
Annual gross pay of £45,111.53 minus Income Tax of £6,508.20, NI of £2,603.32, employee pension of £0.00 and student loans of £0.00 leaves £36,000.01 for the year.
Sources & assumptions
Checked 25 October 2026
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