UK Take-Home Pay Calculator 2026/27
See what you take home after tax, National Insurance and student loan in the 2026/27 tax year.
What this calculates
Enter your gross salary and the calculator shows your income tax, employee National Insurance, student loan and pension deductions, and the pay left over each year, month and week. It uses the rates for the 2026/27 tax year (6 April 2026 to 5 April 2027).
Rates used
- Personal allowance: £12,570, reduced by £1 for every £2 of income over £100,000.
- England, Wales and Northern Ireland: 20% on the first £37,700 of taxable income, 40% to £125,140 and 45% above.
- Scotland: 19%, 20%, 21%, 42%, 45% and 48% across six bands.
- National Insurance (employee): 8% from £12,570 to £50,270, then 2% above.
- Student loans: 9% above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) or £25,000 (Plan 5). Postgraduate loans take 6% above £21,000.
Example
On a £45,000 salary in England, taxable income is £32,430, so income tax is £6,486. National Insurance is £2,594. That leaves about £35,920 a year, or roughly £2,993 a month.
What is not included
Salary sacrifice, benefits in kind, tax codes, Marriage Allowance, a second job and bonuses paid in a different month. Real payslips use pay periods and tax codes, so they can differ a little from this yearly estimate. Check gov.uk for the latest rules.
Take-home pay at common UK salaries
Estimates for 2026/27 in England, Wales and Northern Ireland, with the standard tax code, no student loan and no pension contributions.
| Salary | Income tax | National Insurance | Take-home per year | Take-home per month |
|---|---|---|---|---|
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,505 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
How UK tax and National Insurance work
- You pay no income tax on the first £12,570 (the personal allowance), which starts to shrink once you earn over £100,000.
- Basic-rate tax of 20% applies to the next slice, then 40%, and 45% above £125,140 of taxable income.
- Employee National Insurance is 8% of earnings between £12,570 and £50,270, and 2% above that.
- Scottish taxpayers have different income tax bands, which you can select in the calculator.
Checking your own pay
Most people have the tax code 1257L, which gives the full personal allowance. If your payslip uses a different code, your tax will differ. Pension contributions, salary sacrifice, benefits in kind and student loan repayments also change your net pay, so use the options above to match your situation.
Next steps: UK Student Loan Repayment Calculator, UK Mortgage Calculator, UK Stamp Duty Calculator (SDLT).
Frequently asked questions
How much tax will I pay on a £50,000 salary?
In England in 2026/27, about £7,486 of income tax and £2,994 of National Insurance, leaving roughly £39,520 a year, or about £3,293 a month, before pension or student loan.
What is the personal allowance for 2026/27?
£12,570. It is reduced by £1 for every £2 of income above £100,000, and it reaches zero at £125,140.
Why does my payslip differ from the calculator?
Your tax code, pay frequency, pension arrangements and benefits can all change the figure. Use the calculator as a planning estimate.
Are Scottish rates different?
Yes. Scotland has its own bands and rates, from 19% to 48%. Choose Scotland in the calculator to use them.
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