United Kingdom · Updated for 2026/27
UK salary calculator 2026/27
On a £30,000 salary in 2026/27 you take home £25,119.60 a year (£2,093.30 a month) in England, Wales or Northern Ireland, after £3,486.00 income tax and £1,394.40 National Insurance.
Type your own pay below. This take-home pay calculator shows what you keep after income tax, National Insurance, student loans and pension, and what changed since last year.
Take-home pay, 2026/27 · England and Northern Ireland · standard code 1257L
£2,093.30 a month
£25,119.60 a year · £483.07 a week · £96.61 a day · £12.88 an hour
| Year | Month | Week | |
|---|---|---|---|
| Pay before tax | £30,000.00 | £2,500.00 | £576.92 |
| Income tax | −£3,486.00 | −£290.50 | −£67.04 |
| National Insurance | −£1,394.40 | −£116.20 | −£26.82 |
| Take-home pay | £25,119.60 | £2,093.30 | £483.07 |
A day is a fifth of a week; an hour assumes 37.5 hours a week. A year is 52 weeks.
Income tax by band
| Income | Rate | Tax | |
|---|---|---|---|
| Tax-free Personal Allowance | £12,570 | 0% | £0.00 |
| Basic rate | £17,430 | 20% | £3,486.00 |
| Income tax for the year | £3,486.00 |
National Insurance
| Earnings | Rate | NI | |
|---|---|---|---|
| 8% band | £17,430 | 8% | £1,394.40 |
| 2% band | £0 | 2% | £0.00 |
| National Insurance for the year | £1,394.40 |
What you cost your employer
- Employer National Insurance: £3,750.00 a year (15% over £5,000).
- Total cost to your employer: £33,750.00 a year: your pay plus employer NI. Employer pension contributions are not included.
Your tax rates
- Effective rate: 16.3%. That share of your pay goes in income tax and National Insurance.
- Marginal rate: 28%. Of the next £1 of salary, 20% goes in income tax, and 28% in income tax and NI together. You keep about 72p.
What changed for you since 2025/26
Your take-home pay is the same as in 2025/26: the bands and thresholds that apply to you did not change.
| 2025/26 | 2026/27 | Better or worse for you | |
|---|---|---|---|
| Income tax | £3,486.00 | £3,486.00 | £0.00 |
| National Insurance | £1,394.40 | £1,394.40 | £0.00 |
| Take-home pay | £25,119.60 | £25,119.60 | £0.00 |
How do I calculate my salary after tax?
Your employer takes four things out of your pay before it reaches your bank: income tax, National Insurance, any student loan repayment, and your pension if you are in one. This calculator does the same sums for a whole tax year and then splits the answer into months, weeks, days and hours.
- Income tax. The first £12,570 is tax-free. After that you pay 20% up to £50,270, 40% up to £125,140 and 45% above that. Scotland has its own six bands.
- National Insurance. 8% of what you earn between £12,570 and £50,270, then 2% above.
- Student loans. 9% of what you earn over your plan’s threshold, plus 6% for a Postgraduate Loan.
- Pension. Depends on the type: relief at source, net pay or salary sacrifice each change the other numbers in a different way.
Every step and formula is written out on how we calculate.
What are the UK tax rates for 2026/27?
- The UK Personal Allowance is £12,570 in 2026/27. Source: Income Tax rates and Personal Allowances (GOV.UK), checked 6 October 2026.
- Outside Scotland, income tax in 2026/27 is 20% from £12,571 to £50,270, 40% to £125,140 and 45% above. Source: Rates and thresholds for employers 2026 to 2027 (GOV.UK), checked 6 October 2026.
- The Personal Allowance falls by £1 for every £2 of income over £100,000, and is zero from £125,140. Source: Income Tax: income over £100,000 (GOV.UK), checked 6 October 2026.
- In Scotland in 2026/27, the starter rate of 19% runs from £12,571 to £16,537 and the top rate of 48% starts above £125,140. Source: Scottish Income Tax: rates and bands, 2026 to 2027 (gov.scot), checked 6 October 2026.
- Employees pay 8% National Insurance on earnings from £12,570 to £50,270 a year in 2026/27, and 2% above. Source: Rates and thresholds for employers 2026 to 2027 (GOV.UK), checked 6 October 2026.
- Employers pay 15% National Insurance on pay above £5,000 a year in 2026/27. Source: Rates and thresholds for employers 2026 to 2027 (GOV.UK), checked 6 October 2026.
- Student loan repayment thresholds for 2026/27: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000 (all 9%), Postgraduate Loan £21,000 (6%). Source: Repaying your student loan: how much you repay (GOV.UK), checked 6 October 2026.
Every figure, with its source, is on the sources page.
Can I use it as an income tax calculator or a wage calculator?
Yes. The result shows your income tax band by band, so it works as an income tax calculator, with National Insurance, student loans and pension on the same page. Pay can be typed by the year, month, week, day or hour, so it also works as a wage calculator: choose “an hour” and set your hours a week.
How do I get the most accurate result?
Use your tax code if you know it. It is on your payslip and in your HMRC app. A code such as 1100L or K475 changes your tax, and an emergency code (one ending in W1, M1 or X) can take too much in a month with a bonus.
Pick the right pension type. With the same 5%, salary sacrifice leaves you the most take-home pay, because it saves National Insurance too. Relief at source and net pay usually come out the same for a basic-rate payer.
Check last year. Every result shows the same pay in the year before, so you can see exactly what changed for you. For most people outside Scotland the answer is “nothing”: the main thresholds are frozen.
What is my salary after tax?
Every salary from £10,000 to £150,000, in £1,000 steps, and up to £500,000 has its own page, worked through in full with Scotland, student loan and pension versions. Popular ones:
- £20,000 after tax £1,493 a month
- £25,000 after tax £1,793 a month
- £30,000 after tax £2,093 a month
- £35,000 after tax £2,393 a month
- £40,000 after tax £2,693 a month
- £45,000 after tax £2,993 a month
- £50,000 after tax £3,293 a month
- £55,000 after tax £3,538 a month
- £60,000 after tax £3,780 a month
- £70,000 after tax £4,263 a month
- £80,000 after tax £4,746 a month
- £100,000 after tax £5,713 a month
- £120,000 after tax £6,346 a month
- £150,000 after tax £7,607 a month
How does UK tax on pay work?
- UK income tax rates and bands for 2026/27 How UK income tax works in 2026/27: the £12,570 allowance, the 20%, 40% and 45% bands, and worked examples on real salaries, in plain English.
- National Insurance 2026/27: UK rates and thresholds What employee National Insurance is, the 8% and 2% rates for 2026/27, the £12,570 and £50,270 thresholds, and why a bonus month is different.
- Scottish income tax bands for 2026/27 The six Scottish income tax bands for 2026/27, from the 19% starter rate to the 48% top rate, and who pays more or less than in the rest of the UK.
- Student loan repayments and thresholds for 2026/27 How much you repay on Plan 1, 2, 4, 5 and the Postgraduate Loan in 2026/27, with the thresholds, what happens with two plans, and worked examples.
- Pension tax relief in the UK: the three types Relief at source, net pay and salary sacrifice compared on the same salary, with what each one costs your take-home pay and how to claim extra relief.
- The UK 60% tax trap: £100,000 to £125,140 Why pay between £100,000 and £125,140 is taxed at 60%, how much allowance you lose, and how pension contributions can get it back. With examples.
- UK tax codes explained: 1257L, K, BR, D0 and more What your UK tax code means: 1257L, the S and C prefixes, K codes, BR, D0, D1, NT, 0T and the emergency W1, M1 and X codes, with what each does to your pay.
- Employer National Insurance 2026/27: what you cost How employer National Insurance works in 2026/27: 15% over £5,000 a year, what you really cost to employ, and how salary sacrifice changes it.
- What changed for UK take-home pay in 2026/27 What changed for UK take-home pay in the 2026/27 tax year: frozen allowances, new Scottish bands and higher student loan thresholds, with examples.
Questions about UK take-home pay
How much tax do I pay on £35,000 in 2026/27?
On £35,000 a year with the standard tax code you pay £4,486.00 income tax and £1,794.40 National Insurance in England, Wales or Northern Ireland, and take home £28,719.60 (£2,393.30 a month). In Scotland the income tax is £4,501.07.
What is the tax-free Personal Allowance?
£12,570 for 2026/27. You lose £1 of it for every £2 of income over £100,000, so it is gone at £125,140. See the 60% tax trap.
Does the calculator work for Scotland?
Yes. Choose Scotland, or type a tax code that starts with S. Scotland has six income tax bands from 19% to 48%. National Insurance and student loans are the same across the UK. See Scottish income tax bands.
Why is my payslip different from this?
Payroll works out tax month by month and adds it up over the year, so a pay rise, a new job, a bonus or a new tax code can make one month look odd. Benefits such as a company car change your tax code too. Try the payslip checker with your real figures.
Do you store what I type?
No. The sums run in your own browser. Nothing you type is sent to us or anyone else. The address bar keeps your answers after a # sign so you can bookmark them, and browsers never send that part to a server.
Is this official?
No. My Salary Calculator is an independent site. We take every rate from GOV.UK and gov.scot and list each one on our sources page. For your own tax position, use GOV.UK’s tool or ask HMRC.