UK Take-Home Pay Calculator 2026/27
Enter your salary and see income tax, National Insurance, pension and student loan stripped out — with a clear breakdown of where every pound goes.
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2025/26Where your pay goes
per monthEstimates for a standard employee (Class 1 NI), England, Wales & Northern Ireland, 2025/26 thresholds (frozen to 2028). Pension treated as salary sacrifice. Not financial advice. How we calculate →
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Pay and tax, explained simply.
Your UK take-home pay is what's left after income tax, National Insurance and any pension or student-loan deductions come out of your gross salary. For 2025/26 the first £12,570 you earn is tax-free (your personal allowance); income tax is then 20% up to £50,270, 40% up to £125,140 and 45% above that. National Insurance is 8% on earnings between £12,570 and £50,270, and 2% above — and these thresholds are frozen until 2028.
This take-home pay calculator applies those exact HMRC thresholds to your salary and shows the result by year, month, week or day, with every deduction broken down. Enter your salary above, add your pension percentage and student-loan plan, and you'll see precisely what reaches your bank account. For common figures see £30,000, £50,000 and £100,000 after tax, or browse pay by hour, by day rate and by profession.
What is the personal allowance for 2026/27?
The standard personal allowance is £12,570 — the amount you can earn before paying income tax. If you earn over £100,000, it's reduced by £1 for every £2 above £100,000.
How accurate is this calculator?
It uses official HMRC rates and thresholds for 2025/26 (frozen to 2028). It's a close estimate for standard employment; your actual pay may differ slightly due to benefits in kind, bonuses or employer adjustments.
What is the £100k tax trap?
Between £100,000 and £125,140 your personal allowance is withdrawn by £1 for every £2 earned, creating an effective 60% marginal rate. Pension contributions and salary sacrifice can help avoid it.
Does this include employer National Insurance?
No. This 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 student loan plan am I on?
Plan 1: English/Welsh students who started before Sept 2012, plus NI and older Scottish loans. Plan 2: English/Welsh from Sept 2012. Plan 4: Scottish from April 2021. Plan 5: courses from August 2023. Check your payslip if unsure.
How do pension contributions reduce my tax?
Contributions are taken before income tax (and, in salary-sacrifice schemes, before National Insurance too), so a basic-rate taxpayer effectively gets 20% relief and a higher-rate taxpayer 40%.
How much is £30,000 after tax?
On £30,000 in 2025/26 you take home about £25,120 a year — roughly £2,093 a month — after £3,486 income tax and £1,394 National Insurance.
How much is £40,000 after tax?
On £40,000 you take home about £32,320 a year (£2,693 a month), after £5,486 income tax and £2,194 National Insurance — an effective rate of around 19%.
What is the National Living Wage in 2026?
The National Living Wage is £12.21/hour for workers aged 21+ (from April 2025) — about £23,809 a year full-time, giving roughly £20,662 take-home after tax and NI.
What is the average UK take-home pay?
The UK median salary is around £34,963. After income tax and National Insurance that's roughly £28,690 a year, or about £2,391 a month.
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