£27,000 After Tax (£27k): Take-Home Pay in 2026/27

On a £27,000 salary you take home £22,960 a year in 2026/27 — £1,913.30 a month or £441.53 a week — after £2,886 income tax and £1,154 National Insurance. That assumes tax code 1257L, England, Wales or Northern Ireland, and no pension or student loan; the tables below add each of those.

Updated 2026-10-03 · HMRC 2026/27 rates and thresholds

£27,000 take-home pay by period

How the tax on £27,000 is calculated

£27,000 sits entirely in the basic-rate band: everything above £12,570 is taxed at 20% and NI is 8%, so each extra pound you earn is taxed at 28%. You can earn another £23,270 before reaching the 40% higher rate.

£27k after tax: where it sits and what eats into it

£27,000 is 31% below the full-time median of £39,039 (ONS, April 2025). On a 37.5-hour week it works out at £13.85 an hour, 1.09× the National Living Wage of £12.71. A full-time job at the legal minimum pays about £24,785 a year, so £27k is £2,216 above the floor before tax and £1,595 above it after tax. Of each pound you earn, 85% reaches your bank account: £1,913.30 a month or £441.53 a week.

This salary sits on the edge of three student loan thresholds. Plan 1 repayments start at £26,900, so a Plan 1 borrower repays only £9 a year. Plan 5, for courses that started from August 2023, starts at £25,000 and takes £180 a year (£15.00 a month). Plan 2 graduates repay nothing until £29,385, which is £2,385 more than you earn, and Scottish Plan 4 borrowers nothing until £33,795. A postgraduate loan takes 6% above £21,000: £360 a year.

At this level Scotland is slightly cheaper. The Scottish 19% starter and 20% basic bands leave a Scottish taxpayer on £27,000 with £40 a year more than someone in England, Wales or Northern Ireland. A 5% salary-sacrifice pension (£1,350 a year) costs you only £972 of take-home, because it saves 20% tax and 8% NI.

£27,000 after tax in Scotland

Scottish taxpayers pay Scottish income tax rates on earnings. On £27,000 that is £2,846 of income tax compared with £2,886 elsewhere in the UK, so take-home pay is £1,916.61 a month (£3.31 more than in England).

£27,000 after tax with a student loan

Student loans are repaid at 9% of earnings above each plan's threshold (6% for postgraduate loans).

£27,000 after tax with a pension

Auto-enrolment requires at least 5% from you and 3% from your employer on qualifying earnings (£6,240 to £50,270) — for you that is £1,038 and £623 a year. Salary sacrifice also saves National Insurance, so it costs less in take-home pay than relief at source.

£27,000 after tax: 2025/26 vs 2026/27

With income tax thresholds frozen, the same salary pays the same tax and NI this year. A pay rise that only matches inflation therefore leaves you slightly worse off in real terms.

£27,000 after tax on different tax codes

Your tax code tells your employer how much tax-free pay to give you. A wrong code is the most common reason a payslip differs from the figures above — check yours on your payslip or in the HMRC app.

A typical £27,000 monthly payslip

With a 5% workplace pension (relief at source) and a Plan 2 student loan, the most common setup for graduates in England:

Bonus on £27,000: how much you keep

£27,000 pro rata: part-time take-home

Part-time jobs are often advertised at the full-time equivalent (FTE) salary. Because the Personal Allowance is not pro-rated, working fewer days lowers your tax by more than your pay.

What your tax band means on £27,000

• Savings: as a basic-rate taxpayer your Personal Savings Allowance is £1,000 of interest a year. ISAs stay tax-free whatever you earn.
• Dividends above the £500 allowance are taxed at 10.75% at your band.
• Capital gains above the £3,000 exemption are taxed at 18% up to your unused basic-rate band (£23,270) and 24% above it.
• Pension tax relief: 20% relief is added automatically — a £1,000 pension contribution costs you £800 (or less through salary sacrifice).
• Marriage Allowance: if your partner earns under £12,570 they can transfer £1,260 of allowance to you, cutting your tax by up to £252 a year.
• Child Benefit: you keep it all — the High Income Child Benefit Charge only starts at £60,000.
• Tax-Free Childcare and 30 hours: available while each parent’s adjusted net income stays at or below £100,000.

What £27,000 costs your employer

Your employer pays 15% National Insurance on earnings above £5,000 — £3,300 a year on £27,000 — plus at least 3% auto-enrolment pension (£623). The total cost of employing you is about £30,923, of which you take home 74%. A salary-sacrifice pension also cuts the employer's NI bill.

How £27,000 compares

• UK earnings: the median full-time salary is £39,039 (April 2025, ONS). £27,000 is £12,039 below it.
• Hourly rate: £13.85 on a 37.5-hour week (£12.98 on 40 hours) — 1.09× the National Living Wage of £12.71.
• A £1,000 pay rise to £28,000 adds £720 a year, or £60.00 a month.
• Effective tax rate: 15.0% of your salary goes on income tax and NI, while your top rate on extra earnings is 28%.

Nearby salaries: £26,000 after tax (£1,853.30/month) · £28,000 after tax (£1,973.30/month). Every salary from £15,000 to £200,000 is in the salary after tax table.