Donaldson R F UK Take-Home Pay Calculator
See roughly what you keep each year, month and week after tax, National Insurance, pension and student loan — for the 2026/27 tax year.
Allowances
Second job and bonuses
Pension: relief-at-source schemes are not modelled; the second job assumes no pension contribution. Monthly and weekly figures are the annual amount divided by 12 and 52.
How it is worked out
Income tax uses the £12,570 Personal Allowance (reduced by £1 for every £2 of income over £100,000, plus any Marriage Allowance or Blind Person's Allowance) and the bands for your region, applied to your combined income from both jobs — this is your likely final liability after the tax year, which can differ from what your second-job payslip deducts in-year (HMRC often starts a second job on a flat BR code until it is corrected). National Insurance (Class 1, employee) is 8% of earnings between £12,570 and £50,270 and 2% above — but unlike Income Tax, NI has no annual reconciliation for employees: it is worked out separately for each job (each gets its own threshold) and, within a job, separately for each pay period. That is why a bonus paid in a single month is modelled month by month here rather than smoothed over the year — it can give a different total NI than spreading the same amount evenly.
Scottish tax bands for 2026/27: 19% starter, 20% basic, 21% intermediate, 42% higher, 45% advanced and 48% top rate. Student loan repayments are 9% of combined income above your plan’s threshold (6% above £21,000 for a postgraduate loan). Marriage Allowance needs the receiving partner to stay a basic-rate taxpayer; this tool warns if your main job's tax band suggests otherwise. Tax codes that are not standard, benefits in kind, and other income will change the real figure.
Sources: GOV.UK: Marriage Allowance, Blind Person's Allowance. Checked 7 October 2026.