UK Salary Calculator 2026/27
Work out your take-home pay after income tax, National Insurance, pension and student loan. Free, instant, and built on the 2026/27 HMRC rates.
More options — tax code, bonus, overtime, benefits
Your numbers at a glance
Breakdown
Where your money goes
Every line your payroll would deduct, in the order it is taken.
Income tax
How your tax is worked out
Your income is taxed in slices. Only the part inside each band is charged at that band’s rate.
Every period
Your pay, every way
Gross against take-home, from a year down to a single hour.
Compare
Nearby salaries
What a raise would actually be worth after tax.
Why this calculator
Built to be right, not just quick
There are a dozen UK salary calculators. Here is what this one does that most of them do not.
Your marginal rate
What you lose from your next £100. At £105,000 it is 62%, not 40%, because the Personal Allowance is being withdrawn. Almost no calculator shows this.
All three pension types
Salary sacrifice, net pay and relief at source are taxed differently. On £60,000 at 10% the gap between them is £1,020 a year for identical money.
Real tax codes
1257L, BR, D0, D1, 0T, NT, K codes, Scottish S codes and Welsh C codes. Enter yours and the figures change to match your payslip.
Six Scottish bands
Not a checkbox bolted onto English rates. Scotland gets its own calculator with the difference against England shown in pounds.
Every deduction, itemised
A payslip-style table showing salary, sacrifice, tax, National Insurance, student loan and pension, in the order payroll takes them.
Sources you can check
Every rate links back to gov.uk. How we calculate lists each one and states what is deliberately not included.
Quick answers
Take-home pay at common UK salaries
2026/27, England and Wales, tax code 1257L, no pension and no student loan.
| Salary | Income tax | National Insurance | Take-home per year | Per month |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £45,000 | £6,486 | £2,594 | £35,920 | £2,993 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £70,000 | £15,432 | £3,411 | £51,157 | £4,263 |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
| £125,140 | £42,516 | £4,513 | £78,111 | £6,509 |
The rules
How UK tax on your salary works
Income tax comes in slices
The first £12,570 you earn is tax free. The next slice, up to £50,270, is taxed at 20%. Above that it is 40%, and above £125,140 it is 45%. Crossing into a higher band never taxes your whole salary at the new rate, only the part above the line. A £51,000 salary pays 40% on £730, which is about £292.
National Insurance is a separate deduction
8% on everything you earn between £12,570 and £50,270, then 2% above that. It does not stop when income tax rises. Your employer pays another 15% on everything above £5,000 a year, on top of your salary, which never appears on your payslip.
The 60% trap between £100,000 and £125,140
Your Personal Allowance falls by £1 for every £2 you earn over £100,000. That withdrawal, on top of 40% tax and 2% National Insurance, pushes the effective rate on that slice to 62%. A pension contribution is the usual way out, and the calculator above shows the effect immediately.
Scotland is different, National Insurance is not
Scotland sets its own income tax with six bands instead of three, starting at 19% and reaching 48%. National Insurance, the Personal Allowance and the tax on savings and dividends are identical across the UK. Below roughly £29,000 a Scottish taxpayer keeps slightly more than someone in England; above it, less.
More tools
Other calculators
Scotland Take-Home Pay Calculator
Scottish rates by default, with a live comparison against England and Wales.
All calculators
What is live now and what is being built next.
Questions
Common questions
How much will I take home on £30,000 in the UK?
On £30,000 with tax code 1257L, no pension and no student loan, you take home £25,120 a year, which is £2,093 a month. You pay £3,486 income tax and £1,394 National Insurance, keeping 83.7% of your salary.
Why is my payslip different from this calculator?
Almost always your tax code. If yours is not 1257L, enter it under More options. Other causes are a W1 or M1 emergency code after changing jobs, benefits in kind such as a company car, or payroll spreading a bonus across the year. Our figures are annual; real payroll works cumulatively month by month.
Does this calculator include the 2026/27 rates?
Yes. Every rate is set to the 2026/27 tax year, which runs from 6 April 2026 to 5 April 2027, and each one is listed with its gov.uk source on How we calculate.
Is this the same as HMRC’s calculator?
No. This is an independent tool that applies published HMRC rates. It is not connected to HMRC and cannot see your tax record. For anything official, use HMRC’s own estimator or contact them directly.
Do I pay National Insurance on my pension contributions?
It depends on the scheme. Salary sacrifice contributions escape both income tax and National Insurance. Net pay and relief at source contributions save income tax only. That is why the three options give three different take-home figures.
Figures use 2026/27 UK rates and are estimates for guidance, not tax advice. Sources: HMRC rates and thresholds 2026 to 2027, Income Tax rates and Personal Allowances. See How we calculate and our disclaimer. Last reviewed 21 September 2026.