🇬🇧 United Kingdom · Income tax + National Insurance

UK Take-Home Pay Calculator 2026/27

Quick answer

For the 2026/27 tax year, UK employees keep their first £12,570 tax-free, pay 20% income tax up to £50,270, 40% up to £125,140 and 45% above that, plus 8% National Insurance between £12,570–£50,270 and 2% above. On a £40,000 salary that works out to roughly £32,320 a year take-home, or about £2,693 a month.

CHECKED 2026/27 verified 2026-09-25 12 primary sources next review 2026-12-15

Paycheck estimator

2026/27 · live as you type
£
% of salary

Your salary is reduced, so income tax, National Insurance and any student loan are all worked out on the lower pay. The percentage applies to your whole salary; employer contributions are not included.

£45,357
Per Year take-home pay
£45,357/year · 75.6% of gross
England, Wales & NI · 2026/27 tax year
Income Tax (England, Wales & NI)
£11,432(19.1%)
National Insurance
£3,211(5.4%)
Take-Home Pay
£45,357(75.6%)
Based on £60,000 annual gross. Uses 2026/27 HMRC income tax bands for England, Wales & Northern Ireland; National Insurance (8%/2%) is UK-wide. Personal Allowance: £12,570 (frozen to 2030/31), tapered above £100,000.

  1. 1
    Convert pay period to annual gross
    £60,000 × 1 (Per Year)
    Annual gross = £60,000
  2. 2
    Income Tax (England, Wales & NI)
    rUK bands on £47,430 taxable (£60,000 − £12,570 allowance)
    £11,432/year
  3. 3
    National Insurance
    8% / 2% bands on £60,000
    £3,211/year
  4. 4
    Calculate take-home pay
    £60,000 − £14,643 deductions
    £45,357/year (75.6% of gross)

Salary after tax — quick links

Pre-calculated 2026/27 breakdowns for common salaries:

£25,000 £30,000 £35,000 £40,000 £50,000 £60,000 £80,000 £100,000 All salaries →

2026/27 UK Tax Rates

Income Tax

Personal Allowance £0 – £12,570 0%
Basic Rate £12,571 – £50,270 20%
Higher Rate £50,271 – £125,140 40%
Additional Rate Over £125,140 45%

National Insurance (Class 1)

Below PT Under £12,570/yr 0%
Main Rate £12,570 – £50,270 8%
Upper Rate Over £50,270/yr 2%

Thresholds frozen to 2030/31; employer NI (15%) is paid on top of salary, not deducted.

UK Take-Home Pay Examples (2026/27)
Annual Salary Income Tax NI Take-Home/yr Take-Home/mo
£20,000 £1,486 (7.4%) £594 (3%) £17,920 £1,493
£30,000 £3,486 (11.6%) £1,394 (4.6%) £25,120 £2,093
£40,000 £5,486 (13.7%) £2,194 (5.5%) £32,320 £2,693
£50,000 £7,486 (15%) £2,994 (6%) £39,520 £3,293
£60,000 £11,432 (19.1%) £3,211 (5.4%) £45,357 £3,780
£80,000 £19,432 (24.3%) £3,611 (4.5%) £56,957 £4,746
£100,000 £27,432 (27.4%) £4,011 (4%) £68,557 £5,713
£125,000 £42,432 (33.9%) £4,511 (3.6%) £78,057 £6,505

How this is calculated

Your personal allowance (£12,570) comes off first — if you earn over £100,000 it shrinks by £1 for every £2 above that, disappearing entirely at £125,140, which creates an effective 60% tax band between those figures. What's left is taxed through the three bands (six in Scotland). National Insurance is calculated separately on your gross pay. This tool shows employee deductions only; your employer pays 15% NI on top of your salary, not out of it.

Optional extras. Choose Scotland to use the six Scottish bands (19%, 20%, 21%, 42%, 45%, 48%) with the same personal allowance and £100,000 taper; National Insurance stays UK-wide. Student loans take 9% of pay above the annual threshold (Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000), and a Postgraduate Loan adds 6% above £21,000. Both use the same pay as National Insurance. For a pension, salary sacrifice lowers the pay used for income tax, NI and student loans. A net pay arrangement lowers only the pay used for income tax. Relief at source comes out of take-home pay: you pay 80% of the contribution and your provider adds 20% to the pot.

Limits. One student loan plan at a time, plus an optional Postgraduate Loan. Figures are annual, without payroll's per-period rounding, and assume the standard tax code. Employer pension contributions and benefits in kind are not included. Neither is relief above 20% on relief-at-source contributions, which higher-rate (and Scottish intermediate-rate and above) taxpayers claim from HMRC.

Comparing countries? See the same salary through the German net-salary calculator or the India in-hand salary calculator — the gap between gross and net tells a different story in every system.

Common questions

What are the UK income tax rates for 2026/27? +

Personal allowance £12,570 (0%), basic rate 20% to £50,270, higher rate 40% to £125,140, additional rate 45% above. All three rates and thresholds are unchanged from 2025/26 and the freeze runs to 2030/31 — so as wages rise, more of your income drifts into higher bands ("fiscal drag"). Scotland uses different bands and rates.

How much National Insurance will I pay? +

8% on annual earnings between £12,570 and £50,270, then 2% on everything above £50,270. The 8% main rate has applied since April 2024, when it was cut from 10%.

Why is my payslip different from this result? +

Choose Scotland, a student loan plan, a Postgraduate Loan or a pension contribution in the calculator to match more of your payslip. Results are annual, while payroll works each pay period and rounds, so a payslip can differ by a few pounds. Employer pension contributions, benefits in kind, a non-standard tax code and any pension relief above 20% that you claim from HMRC are not included.

🇺🇸 US Paycheck Calculator → 🇩🇪 Germany Net Salary → 🇮🇳 India In-Hand Salary → 🌍 Compare All Countries → 🇬🇧 All UK Calculators →
Sources & method. Personal allowance frozen at £12,570 (due to remain to 2030/31). Employee NI main rate 8% between £12,570–£50,270, 2% above. Self-employed Class 4 NI is 6% then 2% on the same bands (compulsory Class 2 abolished). The take-home calculator can add Scottish income tax (19%–48%; NI stays UK-wide), Plan 1/2/4/5 and Postgraduate Loan repayments on annual thresholds, and an employee pension by salary sacrifice, net pay or relief at source. Salary pages show rUK income tax and NI only.
  1. House of Commons Library CBP-10618 — Direct taxes: rates and allowances 2026/27
  2. GOV.UK — Income Tax rates and Personal Allowances
  3. GOV.UK — National Insurance rates and categories
  4. GOV.UK — Self-employed National Insurance rates
  5. GOV.UK — Rates and thresholds for employers 2026 to 2027 (PAYE incl. Scotland, NI, student loans)
  6. GOV.UK — Income Tax in Scotland
  7. gov.scot — Scottish Income Tax rates and bands 2026 to 2027
  8. GOV.UK — Repaying your student loan: what you pay
  9. GOV.UK — Student loan and postgraduate loan repayment guidance for employers
  10. HMRC National Insurance Manual NIM02365 — NICs on pay before pension contributions
  11. GOV.UK — Tax relief on private pension contributions
  12. GOV.UK — Salary sacrifice for employers
Cite this page APA · MLA · BibTeX

APA

WorldCalculators.org. (2026, September 25). Take-Home Pay Calculator UK 2026/27: Salary After Tax. https://worldcalculators.org/uk/take-home-pay-calculator/

MLA

“Take-Home Pay Calculator UK 2026/27: Salary After Tax.” WorldCalculators.org, 25 Sept. 2026, worldcalculators.org/uk/take-home-pay-calculator/.

BibTeX

@misc{worldcalculators2026uktakehomepaycalculator,
  title        = {Take-Home Pay Calculator UK 2026/27: Salary After Tax},
  author       = {{WorldCalculators.org}},
  year         = {2026},
  howpublished = {\url{https://worldcalculators.org/uk/take-home-pay-calculator/}}
}

Figures change when tax years or guidance change. Cite the date shown and link the page so readers see the current version.