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Net to gross salary calculator

Start from the take-home pay you need and find the gross salary that delivers it under the 2026/27 income tax and National Insurance rules.

The figures behind it · Personal allowance
£12,570
Basic / higher / additional rate
20 / 40 / 45 %
Employee NI
8 % to £50,270, then 2 %

Your figures

5 % employee and 3 % employer on earnings between £6,240 and £50,270, taken before tax.

How the gross is found

The calculator runs the gross-to-net rules backwards until the net matches.

Same rules as the payslip
Income tax with the £12,570 allowance and the 20/40/45 % bands, employee National Insurance at 8 % and 2 %, optional pension. Nothing is approximated with a flat percentage.
Solved numerically
Deductions change with the salary, so there is no single formula. The calculator narrows the gross down until the net is right to the penny.
Employer cost included
You also see what the salary costs the employer with 15 % employer National Insurance, useful when negotiating a total package.
Source and rules

HMRC: rates and thresholds for employers 2026 to 2027

Rule set 2026/27, last checked on October 12, 2026.

The result is an estimate based on the statutory rules. Your contract, collective agreement or tax code may change the figures. It is not tax or legal advice.

Frequently asked questions

What gross salary gives £2,500 net a month?

About £36,800 a year in 2026/27 without a pension contribution (£36,778 to the pound). With the auto-enrolment pension you need about £38,600.

Is the result the salary I should ask for?

It is the gross that yields your target net under standard rules. Add a margin for pension, student loan or benefits that reduce take-home pay.

Why is the gross more than the net plus tax?

Because National Insurance is deducted as well as income tax, and both rise with the salary. Every extra pound of net above the basic-rate band needs about £1.72 of gross.

What next?

Know what you are worth? Browse the latest jobs and compare offers with your figures in hand.

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