UK Take-Home Pay Calculator 2026/27
See your salary after tax, National Insurance, pension and student loan — monthly, weekly or yearly. Includes Scottish income tax, tax codes and the £12,570 Personal Allowance taper. Nothing you enter leaves your browser.
Take-home pay per month£2,276.63£27,320 a year · 17.9% effective rate · 28% marginal (tax + NI) · 2026/27
| Per month | Per year | |
|---|---|---|
| Gross pay | £2,916.67 | £35,000 |
| Pension (you pay 80%, HMRC adds 20%) | -£116.67 | -£1,400 |
| Income tax | -£373.83 | -£4,486 |
| National Insurance | -£149.53 | -£1,794 |
| Take-home pay | £2,276.63 | £27,320 |
Tax-free Personal Allowance used: £12,570. Total going into your pension: £1,750 a year. Your employer also pays £4,500 employer NI.
- Take-home £27,320 78.1%
- Income tax £4,486 12.8%
- National Insurance £1,794 5.1%
- Pension £1,400 4.0%
Take-home pay vs deductions at every salary (England, Wales & NI)
- Take-home pay
- Tax + NI + loans
Your result is ready
Take-home pay at common salaries (2026/27, England)
| Salary | Income tax | NI | Take-home / year | Per month | Effective rate |
|---|---|---|---|---|---|
| £25,000 | £2,486 | £994 | £21,520 | £1,793 | 13.9% |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 | 16.3% |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 | 19.2% |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 | 21.0% |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 | 24.4% |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 | 28.8% |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 | 31.4% |
- England, Wales & NI
- Scotland
Salary after tax
Every salary from £15,000 to £200,000, with Scotland, student loans and pensions: salary after tax calculator.
- £20,000 after tax£1,493 a month
- £25,000 after tax£1,793 a month
- £30,000 after tax£2,093 a month
- £35,000 after tax£2,393 a month
- £40,000 after tax£2,693 a month
- £45,000 after tax£2,993 a month
- £50,000 after tax£3,293 a month
- £55,000 after tax£3,538 a month
- £60,000 after tax£3,780 a month
- £70,000 after tax£4,263 a month
- £80,000 after tax£4,746 a month
- £100,000 after tax£5,713 a month
UK calculators
- Salary After Tax Calculator UK 2026/27
- UK Income Tax Calculator 2026/27
- Scottish Tax Calculator 2026/27
- UK Hourly Wage Calculator
- National Insurance Calculator 2026/27
- Employer National Insurance Calculator
- Pro Rata Salary Calculator
- Pay Rise Calculator
- UK Bonus Tax Calculator
- Salary Sacrifice Calculator
- Pension Tax Relief Calculator
- Pension Withdrawal Tax Calculator
- Self-Employed Tax Calculator
- Dividend Tax Calculator 2026/27
- Limited Company vs Sole Trader Calculator
- Corporation Tax Calculator
- Umbrella Company & Inside IR35 Calculator
- Company Car Tax (BIK) Calculator
- Car Tax (VED) Calculator
- UK Capital Gains Tax Calculator
- Inheritance Tax Calculator
- Stamp Duty Calculator
- LBTT Calculator (Scotland)
- Land Transaction Tax Calculator (Wales)
- Council Tax Calculator 2026/27
- Tax on Savings Interest Calculator
- Rental Income Tax Calculator
- High Income Child Benefit Charge Calculator
- Tax-Free Childcare Calculator
- VAT Calculator
- Tax Code Calculator
- Minimum Wage Calculator
- NHS Pay Calculator
- NHS Pay Rise & Back Pay Calculator
- NHS Maternity Pay Calculator
- Teacher Pay Calculator
2026/27 UK tax facts
- The personal allowance stays at £12,570 in 2026/27 and is reduced by £1 for every £2 of adjusted net income over £100,000, so it is gone entirely at £125,140 (HMRC income tax rates and allowances).
- In England, Wales and Northern Ireland, 2026/27 income tax is 20% on the first £37,700 of taxable income, 40% up to £125,140 and 45% above that (HMRC rates and thresholds for employers 2026 to 2027).
- Scotland has six bands in 2026/27: 19% starter on the first £3,967 of taxable income, 20% basic to £16,956, 21% intermediate to £31,092, 42% higher to £62,430, 45% advanced to £125,140 and 48% top above that (HMRC rates and thresholds for employers 2026 to 2027).
- Budget 2025 extended the freeze on income tax thresholds and the equivalent employee and self-employed National Insurance thresholds for a further three years, from April 2028 to April 2031 (HM Treasury Budget 2025).
- Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year and 2% above that in 2026/27 (HMRC rates and thresholds for employers 2026 to 2027).
- Employers pay 15% National Insurance on earnings above the £5,000 secondary threshold, and eligible employers can claim an Employment Allowance of £10,500 (HMRC rates and thresholds for employers 2026 to 2027).
- Self-employed people pay Class 4 National Insurance at 6% on profits between £12,570 and £50,270 and 2% above that; voluntary Class 2 costs £3.65 a week if profits are below £7,105 (GOV.UK self-employed National Insurance rates).
- Dividend tax rose by 2 percentage points from April 2026: the basic rate is now 10.75% and the higher rate 35.75%, while the additional rate stays at 39.35% and the dividend allowance stays at £500 (GOV.UK tax on dividends).
- Budget 2025 also announced that tax on savings income will rise by 2 percentage points across all bands from April 2027, and that property income will be taxed at 22%, 42% and 47% from April 2027 (HM Treasury Budget 2025).
- Plan 5 student loan repayments begin in April 2026 at 9% of earnings above £25,000 a year; the 2026/27 thresholds for other plans are £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) and £21,000 at 6% for Postgraduate loans (HMRC rates and thresholds for employers 2026 to 2027).
Guides
- UK Income Tax Rates and Bands for 2026/27
- Scottish Income Tax Rates and Bands 2026/27
- National Insurance Explained: 2026/27 Rates, Thresholds and How to Calculate It
- How Much Can You Earn Before Paying Tax in the UK?
- Gross vs Net Pay: What Comes Off Your UK Payslip
- Average Salary in the UK: Latest ONS Figures and Take-Home Pay
- UK Minimum Wage 2026: Hourly Rates, Annual Salary and Take-Home Pay
- UK Tax Year Dates and Deadlines for 2026/27
- Student Loan Repayments 2026/27: Thresholds, Rates and Your Payslip
- Salary Sacrifice Explained: Pensions, Electric Cars and the 2029 NI Cap
- HMRC Tax Refunds and P800 Letters: How to Check and Claim
- Pro Rata Salary Explained: Formula, Examples and Part-Time Tax
Frequently asked questions
How much tax will I pay on £30,000 in 2026/27?
In England, Wales or Northern Ireland: £3,486 income tax and £1,394 National Insurance, leaving £25,120 a year or £2,093 a month.
How much can I earn before paying tax?
£12,570 a year (£1,047.50 a month) on the standard 1257L tax code. National Insurance starts above £12,570.
Is this calculator accurate?
It uses HMRC’s published annual rates and thresholds. Payslips can differ by a few pence because payroll software uses period tables, and by more if your tax code is not 1257L.
What is the minimum wage?
£12.71 an hour for workers aged 21 and over from 2026-04-01.
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- HMRC: Rates and thresholds for employers 2026 to 2027
- GOV.UK: Tax on dividends
- HM Treasury: Budget 2025
- HMRC: Income Tax rates and allowances for current and past years
- GOV.UK: Tax on savings interest – how much is tax free
- GOV.UK: Self-employed National Insurance rates
- HMRC: Capital Gains Tax rates and annual tax-free allowances
- GOV.UK: Business Asset Disposal Relief
- HMRC: Pension schemes rates and allowances
- HMRC: Work out your tapered annual allowance
- GOV.UK: Workplace pensions – what you, your employer and the government pay
- The Pensions Regulator: Work out who to put into a pension
- HMRC: Corporation Tax rates and allowances
- HMRC: Tax credits, Child Benefit and Guardian’s Allowance rates
- GOV.UK: High Income Child Benefit Charge
- GOV.UK: Marriage Allowance
- GOV.UK: Tax-free allowances on property and trading income
- GOV.UK: Tax-Free Childcare
- GOV.UK: VAT rates
- GOV.UK: VAT registration – when to register