Take-home pay calculator UK 2026/27

Your salary after income tax, National Insurance, student loan and pension for 2026/27, per year, month and week. Scottish rates included.

Gross pay

Paid per

Your take-home pay

Take-home pay a year: £28,719.60
Take-home pay a month: £2,393.30
Take-home pay a week: £552.30

Your details

Where you live

Student loan

Pension contribution

Your own contribution as a % of salary.

How your pension is paid

Your payslip or scheme booklet says which one.

Tax code

Leave 1257L unless your payslip shows another code.

Postgraduate loan

Over State Pension age (no NI)

Breakdown of your pay

Take-home 82.1%
Tax 12.8%
Social contributions 5.1%

Pay and deductions per year, month and week
Item	Year	Month	Week
Gross pay	£35,000.00	£2,916.67	£673.08
Income tax	−£4,486.00	−£373.83	−£86.27
National Insurance	−£1,794.40	−£149.53	−£34.51
Take-home pay	£28,719.60	£2,393.30	£552.30

Effective tax rate:: 17.9%tax, social contributions and loan repayments as a share of gross pay
Marginal rate:: 28.0%of your next unit of pay

How this was worked out

Annual calculation for 2026/27: taxable income rounded down to whole pounds, tax and NI to the penny, student loan repayments down to whole pounds. PAYE works per pay period, so payslips can differ by a few pence.

Tax year 2026/27 (6 April 2026 to 5 April 2027) · last checked 23 Sept 2026 · Sources: HMRC: Income Tax rates and allowances for current and past years; GOV.UK: Scottish Income Tax 2026 to 2027; HMRC: Rates and thresholds for employers 2026 to 2027 (NI, student loans); GOV.UK: What your tax code means; GOV.UK: Income Tax on income over £100,000. Estimate, not financial or tax advice. Calculated in your browser; nothing is sent.

How it works

This take-home pay calculator turns a UK salary into what actually reaches your bank account in the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027. Enter your gross pay per year, month, week or hour and it deducts income tax, employee National Insurance, student and postgraduate loan repayments and your pension contribution, then shows the result per year, month and week.

It follows HMRC's 2026/27 rates: the £12,570 Personal Allowance with its taper above £100,000, the separate Scottish bands, Class 1 National Insurance at 8% and 2%, and the Plan 1, 2, 4, 5 and postgraduate loan thresholds. With the defaults (England, tax code 1257L, no pension or loan) a salary of £30,000 leaves £25,119.60 a year, or £2,093.30 a month.

Everything runs in your browser; nothing you type is sent anywhere. The figures are an estimate for a normal employee on PAYE, not tax advice: benefits in kind, several jobs, self-employment and Self Assessment adjustments are not included.

Take-home pay on common salaries (2026/27)

Figures for a full tax year in England, Wales or Northern Ireland with tax code 1257L, no pension contribution and no student loan.

Amounts are rounded to whole units; type any salary into the calculator above for the exact figure and your own options.

Take-home pay by salary, United Kingdom, 2026/27
Salary	Income tax	NI	Take-home a year	A month	A week
£15,000	£486	£194	£14,320	£1,193	£275
£20,000	£1,486	£594	£17,920	£1,493	£345
£25,000	£2,486	£994	£21,520	£1,793	£414
£28,000	£3,086	£1,234	£23,680	£1,973	£455
£30,000	£3,486	£1,394	£25,120	£2,093	£483
£32,000	£3,886	£1,554	£26,560	£2,213	£511
£35,000	£4,486	£1,794	£28,720	£2,393	£552
£40,000	£5,486	£2,194	£32,320	£2,693	£622
£45,000	£6,486	£2,594	£35,920	£2,993	£691
£50,000	£7,486	£2,994	£39,520	£3,293	£760
£55,000	£9,432	£3,111	£42,457	£3,538	£816
£60,000	£11,432	£3,211	£45,357	£3,780	£872
£65,000	£13,432	£3,311	£48,257	£4,021	£928
£70,000	£15,432	£3,411	£51,157	£4,263	£984
£75,000	£17,432	£3,511	£54,057	£4,505	£1,040
£80,000	£19,432	£3,611	£56,957	£4,746	£1,095
£90,000	£23,432	£3,811	£62,757	£5,230	£1,207
£100,000	£27,432	£4,011	£68,557	£5,713	£1,318
£125,000	£42,432	£4,511	£78,057	£6,505	£1,501
£150,000	£53,703	£5,011	£91,286	£7,607	£1,756

How take-home pay is worked out in the UK

Your employer deducts tax through PAYE (Pay As You Earn) every time you are paid. Four things usually come off a UK salary, in this order of size for most people: income tax, National Insurance, pension contributions and student loan repayments.

Income tax is charged on pay above your tax-free Personal Allowance, band by band. National Insurance is a separate charge on earnings: it has its own threshold and rates and is worked out on each pay packet rather than on the year. Student loan repayments are a fixed share of earnings above your plan's threshold, so they behave like an extra tax on each pound above it.

Tax code 1257L means the standard £12,570 allowance. A different code (for example after a benefit in kind or an underpayment) changes your tax, not your National Insurance.
Between £100,000 and £125,140 you lose £1 of allowance for every £2 earned, so each extra pound there costs 60% in income tax plus 2% NI. A pension contribution or salary sacrifice in that range recovers the allowance.
Scottish taxpayers pay starter, basic, intermediate, higher, advanced and top rates, up to 48%. Up to about £33,494 a Scottish taxpayer pays slightly less income tax than someone in England; above it, more.

Pension: salary sacrifice, net pay or relief at source

How your pension is taken changes your take-home pay even for the same percentage. With salary sacrifice your salary is reduced before tax and National Insurance, so you save both. With a net pay arrangement the contribution comes off before income tax but after National Insurance. With relief at source you pay 80% of the contribution from taxed pay and the pension provider claims the other 20% from HMRC; higher and additional rate taxpayers claim the rest through Self Assessment.

The calculator applies your percentage to the whole salary. Many workplace schemes use "qualifying earnings" (a band of pay) instead, so check the percentage and basis on your payslip if the pension line looks different.

Income tax bands 2026/27: England, Wales and Northern Ireland

Band	Salary (with the standard Personal Allowance)	Rate
Personal Allowance	Up to £12,570	0%
Basic rate	£12,571 to £50,270	20%
Higher rate	£50,271 to £125,140	40%
Additional rate	Over £125,140	45%

The Personal Allowance of £12,570 falls by £1 for every £2 of adjusted net income over £100,000, so it is gone at £125,140. Between those two figures the effective rate on each extra pound is 60% plus National Insurance.

Scottish income tax bands 2026/27

Band	Salary (with the standard Personal Allowance)	Rate
Personal Allowance	Up to £12,570	0%
Starter rate	£12,571 to £16,537	19%
Basic rate	£16,538 to £29,526	20%
Intermediate rate	£29,527 to £43,662	21%
Higher rate	£43,663 to £75,000	42%
Advanced rate	£75,001 to £125,140	45%
Top rate	Over £125,140	48%

Scottish rates apply to earnings if you live in Scotland (your tax code starts with S). National Insurance and student loans are the same across the UK.

Employee National Insurance 2026/27 (Class 1, category A)

Annual earnings	Rate
Up to £12,570	0%
£12,570.01 to £50,270	8%
Over £50,270	2%

NI is worked out on each pay period (£1,048 a month or £242 a week before it starts), not on the year, so one large bonus month can cost more NI than the annual figure suggests.

Student loan repayment thresholds 2026/27

Loan	Repayments start above	Rate on income above it
Plan 1	£26,900	9%
Plan 2	£29,385	9%
Plan 4 (Scotland)	£33,795	9%
Plan 5	£25,000	9%
Postgraduate loan	£21,000	6%

Sources and last check

Tax year 2026/27 (6 April 2026 to 5 April 2027). Every rate and threshold on this page was last checked on 23 September 2026 against the official sources below; the calculator, the tables and the figures in the text all come from the same data.

This is an estimate to help you plan, not financial or tax advice. Your employer, your tax authority and your own circumstances decide what you actually pay.

Salary after tax in other countries: every country calculator

Sources: HMRC: Income Tax rates and allowances for current and past years (checked 2026-09-23); GOV.UK: Scottish Income Tax 2026 to 2027 (checked 2026-09-23); HMRC: Rates and thresholds for employers 2026 to 2027 (NI, student loans) (checked 2026-09-23); GOV.UK: What your tax code means (checked 2026-09-23); GOV.UK: Income Tax on income over £100,000 (checked 2026-09-23)

How to use it

Type your gross salary and choose whether it is per year, month, week or hour (for hourly pay, add your usual hours a week).
Pick where you live: Scotland has its own income tax bands; England, Wales and Northern Ireland share one set.
Add a student loan plan, a postgraduate loan or a pension contribution if they apply, and change the tax code only if your payslip shows a different one.
Read your take-home pay per year, month and week, and the breakdown of each deduction with your effective and marginal rates.

Frequently asked questions

How much is £30,000 after tax in the UK?

In 2026/27 a £30,000 salary leaves £25,119.60 a year after income tax and National Insurance, which is £2,093.30 a month or £483.07 a week. That assumes England, Wales or Northern Ireland, tax code 1257L and no pension or student loan; add those in the calculator to see your own figure.

What is £40,000 or £50,000 after tax?

£40,000 leaves £32,319.60 a year (£2,693.30 a month) and £50,000 leaves £39,519.60 a year (£3,293.30 a month), with the same assumptions. At £50,000 you are just below the point (£50,270) where the 40% higher rate starts.

What is the tax-free Personal Allowance for 2026/27?

It is £12,570, the same as the previous years. You lose £1 of it for every £2 of adjusted net income over £100,000, so it disappears completely at £125,140. Marriage Allowance, Blind Person's Allowance and tax code adjustments can change your own figure.

Why is my payslip different from this calculator?

Payroll works per pay period, not per year. National Insurance uses a monthly threshold (£1,048) for monthly pay, so bonuses and irregular pay change it; your tax code may include benefits in kind or collect an underpayment; pension schemes often use qualifying earnings; and the first payslip of a new job may use an emergency code. Small differences of a few pence come from rounding.

Does salary sacrifice increase my take-home pay?

No, it lowers it, but by less than the amount that goes into your pension. Because the sacrificed pay is not taxed and has no National Insurance, a basic-rate taxpayer gives up about 72p of take-home pay for each £1 invested (20% tax plus 8% NI saved). Some employers also add their own NI saving to your pension.

How are Scottish taxpayers taxed differently?

If you live in Scotland, income tax on your earnings uses the Scottish rates and bands set by the Scottish Parliament; your tax code starts with S. The Personal Allowance, National Insurance and student loan rules are the same as in the rest of the UK. Choose "Scotland" in the calculator to apply them.

When do I start repaying my student loan?

Your employer deducts 9% of your earnings above the threshold for your plan, for example £29,385 a year for Plan 2 and £25,000 for Plan 5. A postgraduate loan adds 6% of earnings above £21,000, on top of an undergraduate plan. The table below the calculator lists every threshold for 2026/27.

What is my marginal tax rate?

It is the share of your next pound of pay that goes in deductions. For most employees it is 20% income tax plus 8% National Insurance; above £50,270 it becomes 40% plus 2%; in the allowance taper it reaches 62% (more in Scotland). Student loan repayments add 9%. The calculator shows your marginal rate under the result.