How do I calculate my take home pay UK?

To calculate your UK take home pay, subtract income tax (20% basic rate, 40% higher rate, 45% additional rate), National Insurance (8% on earnings between £12,570 and £50,270, 2% above), pension contributions, and any student loan repayments from your gross salary. The personal allowance for 2026/27 is £12,570 — you pay no tax on income below this threshold.

What is the UK take home pay on £30,000?

On a £30,000 salary, your take home pay is approximately £24,570 per year or £2,048 per month after income tax of £3,486 and National Insurance of £1,394. This assumes no pension contributions or student loan repayments.

How much tax do I pay on £50,000 UK?

On a £50,000 salary in the UK, income tax is £7,486 and National Insurance is £3,354, giving you take home pay of approximately £39,160 per year or £3,263 per month.

What is a good salary in the UK 2026?

The UK median salary is approximately £35,000. A salary above £50,000 puts you in the top 25% of earners. Above £80,000 is considered top 5%. What counts as a good salary also depends on your location and living costs.

How much is £20 an hour annually UK?

£20 per hour is £41,600 per year based on a 40-hour week (2,080 hours). After income tax and National Insurance for 2026/27, your take home pay would be approximately £33,393 per year or £2,783 per month.

What is £15 an hour annually UK?

£15 per hour is £31,200 per year (40-hour week, 52 weeks). After tax and NI, you take home approximately £25,520 per year or £2,127 per month for the 2026/27 tax year.

How much is the National Living Wage in 2026/27?

The National Living Wage for workers aged 21 and over is £12.21 per hour from April 2025. This equals approximately £23,809 per year for a full-time worker (37.5 hours per week), giving take home pay of around £20,473 after tax and National Insurance.

How much is 30k after tax UK?

On a £30,000 salary in 2026/27, you will take home approximately £24,637 per year, or £2,053 per month. You pay £3,486 in income tax and £1,877 in National Insurance. Use our calculator above for an exact breakdown including student loan and pension deductions.

How much is 40k after tax UK?

On a £40,000 salary in 2026/27, you will take home approximately £31,637 per year, or £2,636 per month. You pay £5,486 in income tax and £2,677 in National Insurance. Your effective tax rate is approximately 20.9%.

What is the average UK take home pay in 2026?

The UK median salary is approximately £34,963 in 2026/27. After income tax and National Insurance, the average take home pay is around £27,550 per year or £2,296 per month. London salaries average higher at around £44,000 gross.

Updated for 2026/27 Tax Year

UK Take Home Pay Calculator

See exactly what you'll take home after income tax, National Insurance, student loan and pension deductions.

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How is UK Take Home Pay Calculated?

Your take home pay is your gross salary minus all mandatory deductions. In the UK, these deductions include Income Tax, National Insurance contributions (NICs), and any applicable student loan repayments or pension contributions.

The calculations on this page use HMRC's rates and thresholds for the 2026/27 tax year (6 April 2025 to 5 April 2026).

UK Income Tax Bands 2026/27

Income tax in England, Wales, and Northern Ireland is calculated using the following bands. Scotland has different rates — this calculator uses the rUK (rest of UK) bands:

Band	Taxable 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%

National Insurance Rates 2026/27

Class 1 National Insurance contributions for employees are calculated as follows:

Earnings	Rate
Up to £12,570 (Primary Threshold)	0%
£12,570 – £50,270	8%
Over £50,270	2%

Student Loan Repayment Thresholds

Student loan repayments are deducted from your salary once you earn above the threshold for your plan type. The rate is applied to earnings above the threshold only:

Plan	Threshold	Rate
Plan 1	£24,990/year	9%
Plan 2	£27,295/year	9%
Plan 4	£31,395/year	9%
Plan 5	£25,000/year	9%
Postgraduate	£21,000/year	6%

Frequently Asked Questions

What is the personal allowance for 2026/27?

The standard personal allowance is £12,570. This is the amount you can earn before paying income tax. If you earn over £100,000, your personal allowance is reduced by £1 for every £2 earned above £100,000.

How accurate is this calculator?

This calculator uses the official HMRC tax rates and thresholds for 2026/27. It provides a close estimate of your take home pay for a standard employment situation. Your actual pay may differ slightly due to factors like benefits in kind, bonus payments, or other adjustments your employer applies.

Does this include employer National Insurance?

No. This calculator shows only employee deductions — the amounts taken from your pay. Employer NI is an additional cost paid by your employer on top of your salary.

What is the £100K tax trap?

When you earn between £100,000 and £125,140, your personal allowance is reduced by £1 for every £2 earned above £100,000. This creates an effective marginal tax rate of 60% in this band, meaning you keep only 40p of every extra pound earned. Read our full guide to the £100K tax trap →

What student loan plan am I on?

Plan 1: English/Welsh students who started before September 2012, and all Northern Irish and Scottish students. Plan 2: English/Welsh students who started after September 2012. Plan 4: Scottish students from April 2021. Plan 5: Students starting courses from August 2023. Check your student loan repayments here →

How do pension contributions reduce my tax?

Workplace pension contributions are deducted before income tax is calculated. A 5% contribution on a £40,000 salary saves you £400 in tax as a basic rate taxpayer. Higher rate taxpayers save 40% — making a £2,000 pension contribution cost just £1,200. Try the salary sacrifice calculator →

Free UK Tax & Finance Calculators

Use our full suite of free UK calculators:

Self-Employed Tax →

Tax for sole traders and freelancers with Class 2 and Class 4 NI.

Dividend Tax →

Tax on dividends including the £500 allowance.

IR35 Calculator →

Inside vs outside IR35 take home comparison for contractors.

Mortgage Affordability →

How much you could borrow based on salary and deposit.

Employer NI →

True cost of employing someone including NI and pension.

Pension Calculator →

How much your pension could be worth at retirement.

Stamp Duty →

SDLT on property purchases for buyers and investors.

Bonus Tax →

How much of your bonus you'll actually take home.

Capital Gains Tax →

CGT on property, shares, and other assets.

Student Loan →

Monthly repayments for Plan 1, 2, 4, 5 and Postgrad.

Salary Sacrifice →

See how much you save on tax and NI through salary sacrifice.

Child Benefit →

See your payments and the High Income Charge clawback.

VAT Calculator →

Add or remove VAT at 20%, 5%, or 0% instantly.

Inheritance Tax →

IHT on your estate including nil-rate bands.

Rental Income Tax →

Calculate tax on rental income including mortgage interest relief.

Crypto Tax →

Capital Gains Tax on Bitcoin, Ethereum, and other crypto.

CIS Calculator →

CIS deductions for construction industry subcontractors.

Minimum Wage →

Check if you're being paid correctly for your age group.

Take Home Pay by Profession

See what your job actually pays after tax: Teacher · Nurse · Doctor · Software Developer · Accountant · Solicitor · Police Officer · Electrician · Plumber · View all 45 professions →

Average Salary by City

London · Manchester · Birmingham · Edinburgh · Bristol · Glasgow · Leeds · Liverpool · Cambridge · View all 30 cities →

Hourly Rate to Annual Salary

See what your hourly rate means as a yearly salary: £10/hr · £12/hr · £15/hr · £20/hr · £25/hr · £30/hr · £40/hr · £50/hr

Contractor Day Rates

Day rate to annual salary: £300/day · £400/day · £500/day · £600/day · £750/day · £1000/day

Articles

The £100K Tax Trap · 12 Ways to Reduce Tax · Side Hustle Tax · First Job Tax Guide · Negotiate a Higher Salary · 25 Highest Paid Jobs · Rent vs Buy · View all 30 articles →

Tax Guides

UK Tax Bands Explained · How to Read Your Payslip · Self-Employed vs Ltd Company · National Insurance Guide · Workplace Pensions Guide · Student Loan Guide · Tax Changes 2026/27 · Tax Codes Explained

Take Home Pay by Salary

Quick reference pages showing the exact take home pay for common UK salaries:

£20,000 £25,000 £30,000 £35,000 £40,000 £45,000 £50,000 £60,000 £70,000 £80,000 £90,000 £100,000

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How UK Take Home Pay Is Calculated

Your take home pay is your gross salary minus income tax, National Insurance contributions, pension contributions, and any student loan repayments. For the 2026/27 tax year, the personal allowance remains at £12,570 — you pay no tax on income below this threshold.

Income tax is charged at 20% (basic rate) on earnings between £12,570 and £50,270, 40% (higher rate) between £50,270 and £125,140, and 45% (additional rate) above £125,140. National Insurance is 8% on earnings between £12,570 and £50,270, and 2% above that.