Sick pay after tax calculator

Enter your average weekly earnings, the number of weeks you are off sick and the days you normally work each week. The calculator works out Statutory Sick Pay (SSP) under the 2026/27 rules, adds any company sick pay you enter, and shows what reaches you each month after deductions.

Take-home over this sick-pay period

£1,232.50

£1,232.50 total take-home across 3 months.

Your details

Average weekly earningsBefore tax

Usual weekly payUsed for any enhanced pay

Weeks off sick

Qualifying days a week5432167

Enhanced full-pay weeks

Enhanced half-pay weeks

Where you pay income taxScotland has its own income tax ratesEngland, Wales or Northern IrelandScotland

Student loanNonePlan 1Plan 2Plan 4 (Scotland)Plan 5

Postgraduate loan as well

Pension methodNo pensionNet payRelief at sourceSalary sacrifice

Pension contributionPercent of salary

%

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At a glance

• £Statutory pay before deductions£1,232.50
• ↑Gross pay including any enhanced pay£1,232.50
• ✓Take-home across the schedule£1,232.50

Estimated pay month by month

Period	Gross pay	Income tax	NI	Student loan	Pension	Take-home
Month 1	£534.08	£0.00	£0.00	£0.00	£0.00	£534.08
Month 2	£534.08	£0.00	£0.00	£0.00	£0.00	£534.08
Month 3	£164.34	£0.00	£0.00	£0.00	£0.00	£164.34

How this was worked out

1. Tax year: 2026/27
2. Average weekly earnings: £500.00.
3. Statutory pay over the schedule: £1,232.50.
4. Enhanced full-pay weeks: 0.
5. Enhanced half-pay weeks: 0.
6. Full or half pay includes statutory pay; it is not added a second time.
7. The cumulative estimate starts with no earlier earnings in the tax year.
8. Each month represents 52 weeks divided by 12.

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What the calculator assumes

• The 2026/27 rates for SSP, income tax and National Insurance.
• You can get SSP. The calculator does not test the conditions.
• You are off for whole weeks in one spell of sickness with one employer, up to twenty-eight weeks.
• Company sick pay at full pay means your usual weekly pay, and half pay means half of it. It includes SSP, so each week pays whichever is higher.
• The spell starts at the beginning of the tax year, with no pay earlier in that year.
• Each month holds one twelfth of a 52-week year, and the table has as many months as your weeks off need.
• Payroll uses the standard tax code, and National Insurance is at the standard employee rate (category A).
• Scottish income tax rates apply only if you choose Scotland. Otherwise the calculator uses the rates for England, Wales and Northern Ireland.

How Statutory Sick Pay is worked out

SSP is £123.25 a week or eighty per cent of your average weekly earnings, whichever is lower. It is paid from the first day you are off sick, for the days you would normally have worked, for up to twenty-eight weeks. Your employer pays it through payroll in the same way as your wages, and GOV.UK confirms that tax and National Insurance are deducted.

This page counts whole weeks only. For a part week, the daily amounts, or the rules on how the rate is set, use our Statutory Sick Pay calculator.

Why SSP on its own often has no deductions

Even fifty-two weeks at the SSP rate would come to less than the personal allowance of £12,570, and a week of SSP is below the point where National Insurance starts. So if SSP is your only pay in the tax year, the table usually shows no income tax and no National Insurance. The one deduction that can still apply is a pension contribution, if you enter one.

Deductions come back when your employer tops SSP up. Full pay is taxed much as your normal salary is. When the company sick pay ends and you drop to SSP, the take-home falls sharply, and the table shows the month where that happens. The take-home pay calculator gives your usual monthly pay for comparison.

If you were paid your full salary earlier in the tax year, payroll will have used up part of your tax-free allowance already. Months on SSP can then include a tax refund, and your figures will differ from the table.

Company sick pay

Employers can pay more than SSP under their own scheme, but not less. GOV.UK calls these schemes contractual or occupational sick pay, and the terms have to be in your employment contract. Some schemes pay a number of weeks at full pay and then a number at half pay. Enter the weeks that apply to you. The statutory pay rates page lists this year's SSP figures alongside the other statutory payments.

What it leaves out

• Earlier spells of sickness that link to this one and use up part of the twenty-eight weeks.
• Part weeks and days off that are not whole weeks.
• SSP from a second job, which you can get separately if you qualify there too.
• Benefits you may be able to claim after SSP ends, such as Employment and Support Allowance.
• Holiday you build up while you are off sick, which GOV.UK says continues however long you are off.

The holiday entitlement calculator works out your yearly holiday from the days you work.

Official guidance

• What you'll get from Statutory Sick Pay on GOV.UK
• Statutory Sick Pay: employer guide on GOV.UK
• Employment and Support Allowance on GOV.UK

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