UK Tax Calculator 2026/27

How UK take-home pay is calculated in 2026/27

Your take-home pay is your gross salary minus Income Tax, employee National Insurance and anything you pay into a pension. This calculator uses HMRC rates for the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027, for England, Wales and Northern Ireland.

Income Tax bands

The Personal Allowance is reduced by £1 for every £2 you earn over £100,000. This means income between £100,000 and £125,140 is effectively taxed at 60%, one of the most important thresholds to plan around.

National Insurance

Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year and 2% on anything above. Unlike Income Tax, NI is the same in every part of the UK.

Worked example: £30,000 salary

On £30,000 the first £12,570 is tax-free. The remaining £17,430 is taxed at 20%, which is £3,486 of Income Tax. National Insurance is 8% of £17,430, which is £1,394. Your take-home pay is £25,120 a year, or £2,093 a month. See the full £30,000 breakdown.

How pensions reduce your tax

With salary sacrifice, your pension contribution comes out of your pay before tax and NI are worked out, so a £100 contribution can cost a basic-rate taxpayer as little as £72. Enter a percentage in the pension field above to see the effect on your pay.

Take-home pay for popular salaries

• £20k
• £25k
• £30k
• £35k
• £40k
• £45k
• £50k
• £60k
• £70k
• £80k
• £100k

See the full UK salary after tax table or work out the tax on a one-off payment with the UK bonus tax calculator.

Scottish taxpayers pay different Income Tax rates, so results will differ. Student loan repayments, benefits in kind and non-standard tax codes are not included. Results are estimates, not tax advice.