Take Home Pay on a £40,000 Salary

Here's exactly what you'll keep from a 40k salary in the UK after all deductions for 2025/26.

Your Take Home Pay
£32,320
per year on a £40,000 salary
Yearly
£32,320
Monthly
£2,693
Weekly
£622
Daily
£124
Full Breakdown
Gross salary£40,000
Personal allowance£12,570
Taxable income£27,430
Income tax (basic 20%)-£5,486
National Insurance-£2,194
Take home pay£32,320

About a £40,000 Salary in the UK

On a £40,000 gross salary, you'll take home £32,320 per year, which works out to £2,693 per month after income tax and National Insurance.

At this salary, all of your taxable income falls within the basic rate tax band (20%).

Your effective tax rate is 19.2%, meaning you keep 80.8p of every pound earned.

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