Take-Home Pay Calculator UK 2026/27 (After Tax and NI)

Enter your salary to see what lands in your bank account each month, after income tax, National Insurance, student loan repayments and pension. Uses the official 2026/27 rates.

How take-home pay is calculated in 2026/27

Your take-home pay is what is left of your gross salary after four main deductions. This calculator applies each one using the rates published by HMRC for the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027.

Income tax. Most people can earn £12,570 a year before paying any income tax. This is the personal allowance. Above it, you pay tax in bands.
National Insurance. Employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on everything above £50,270.
Student loan repayments. If you have a student loan, you repay 9% of everything you earn above your plan's threshold (6% for a postgraduate loan).
Pension contributions. Workplace pensions usually come out of your pay too, but they can reduce your tax.

Income tax bands 2026/27: England, Wales and Northern Ireland

Band	Taxable income	Rate
Personal allowance	Up to £12,570	0%
Basic rate	£12,571 to £50,270	20%
Higher rate	£50,271 to £125,140	40%
Additional rate	Over £125,140	45%

Income tax bands 2026/27: Scotland

If you live in Scotland, you pay Scottish income tax, which has six bands. The amounts below are your income after the £12,570 personal allowance.

Band	Income above the personal allowance	Rate
Starter	Up to £3,967	19%
Basic	£3,968 to £16,956	20%
Intermediate	£16,957 to £31,092	21%
Higher	£31,093 to £62,430	42%
Advanced	£62,431 to £125,140	45%
Top	Over £125,140	48%

Example: £35,000 salary in England

On a £35,000 salary with no pension or student loan, you pay income tax of £4,486 (20% of the £22,430 above your personal allowance) and National Insurance of £1,794.40 (8% of £22,430). That leaves a take-home pay of £28,719.60 a year, or about £2,393 a month.

The £100,000 tax trap

Once your income goes over £100,000, your personal allowance falls by £1 for every £2 you earn above that, until it disappears completely at £125,140. In that range, each extra £1 you earn is effectively taxed at 60%. Paying more into your pension can bring your income back below £100,000 and restore the allowance.

Pension types explained

Net pay: your contribution is taken before income tax, so you get tax relief straight away. You still pay National Insurance on it.
Relief at source: your contribution is taken from your pay after tax, and your pension provider adds 20% basic-rate relief. For example, £80 from your pay becomes £100 in your pension.
Salary sacrifice: you give up part of your salary in exchange for an employer pension contribution. You save both income tax and National Insurance.

Frequently asked questions

How much is £30,000 a year after tax?

In England, Wales or Northern Ireland, a £30,000 salary with no pension or student loan gives a take-home pay of £25,119.60 a year, or about £2,093 a month, in 2026/27. That is after £3,486 income tax and £1,394.40 National Insurance.

What is the tax-free personal allowance for 2026/27?

The personal allowance is £12,570 for the 2026/27 tax year. It is frozen at this level until April 2028 and falls away for incomes over £100,000.

Why is my payslip slightly different?

Payroll works out tax and National Insurance for each pay period, and your tax code may include adjustments such as company benefits, underpaid tax from earlier years or the marriage allowance. This calculator gives an annual estimate using the standard 1257L tax code.

Does this calculator include employer pension contributions?

No. It shows what comes out of your own pay. Employer contributions are paid on top of your salary and do not reduce your take-home pay.

What does my tax code mean?

The number in a tax code is your tax-free allowance divided by 10, so 1257L means £12,570. A code starting with S means you pay Scottish income tax, and C means Welsh. BR means all your pay is taxed at the basic rate (often a second job), 0T means you have no tax-free allowance, NT means no tax, and a K code means you have more taxable benefits than allowance. You can enter your code under "More options".

How does the marriage allowance work?

If you earn less than £12,570 and your spouse or civil partner is a basic-rate taxpayer, you can transfer £1,260 of your allowance to them. This cuts their tax bill by up to £252 a year. You can apply on GOV.UK.

Do I pay National Insurance after State Pension age?

No. Once you reach State Pension age you stop paying employee National Insurance, although income tax still applies. Tick the option under "More options" to see your pay without it.

This calculator gives an estimate for guidance only. It works out your tax for the whole year and does not include other income such as rental income, savings interest or self-employment. Rates source: GOV.UK rates and thresholds for 2026 to 2027.