UK Take-Home Pay Calculator 2026/27
Updated for the 2026/27 tax year (6 April 2026 – 5 April 2027)
Enter your salary to see your take-home pay per year, month and week after Income Tax, National Insurance, pension and student loan repayments. Free, no sign-up. Nothing leaves your browser.
Your pay breakdown
| Year | Month | Week |
|---|
2026/27 Income Tax rates
| England, Wales & Northern Ireland | Income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Scotland | Income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Starter | £12,571 – £16,537 | 19% |
| Basic | £16,538 – £29,526 | 20% |
| Intermediate | £29,527 – £43,662 | 21% |
| Higher | £43,663 – £75,000 | 42% |
| Advanced | £75,001 – £125,140 | 45% |
| Top | Over £125,140 | 48% |
How take-home pay is worked out
Start with your gross salary and take off any pension paid by salary sacrifice or a net pay arrangement. Income Tax is charged on income above your personal allowance in bands. National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above that. Student loans take 9% of earnings above your plan threshold (Plan 1: £26,900, Plan 2: £29,385, Plan 4: £33,795, Plan 5: £25,000) and the postgraduate loan takes 6% above £21,000. What is left is your take-home pay.
Between £100,000 and £125,140 you lose £1 of personal allowance for every £2 you earn, which creates an effective 60% tax rate (62% with National Insurance). Pension contributions reduce the income used for this test, so paying more into a pension is a common way to keep your allowance.
Frequently asked questions
How much is £30,000 after tax in the UK?
In England, Wales or Northern Ireland a £30,000 salary leaves about £25,120 a year (around £2,093 a month) in 2026/27 with no pension or student loan. Income Tax is about £3,486 and National Insurance about £1,394.
What is the personal allowance for 2026/27?
£12,570. It is frozen until April 2031. It shrinks by £1 for every £2 of income over £100,000, so it is gone completely at £125,140.
What are the National Insurance rates for 2026/27?
Employees pay 8% on earnings between £12,570 and £50,270 a year and 2% on earnings above £50,270. People over State Pension age pay no employee National Insurance.
Does salary sacrifice increase take-home pay?
Salary sacrifice lowers your gross pay, so you pay less Income Tax and National Insurance on the amount you put into your pension. Your take-home pay goes down by less than the amount you save.