Take-Home Pay Calculator 2026/27 (UK salary after tax)
Enter your salary to see exactly what lands in your bank account each month after income tax, National Insurance, pension contributions and student loan repayments, using the 2026/27 UK rates.
Estimates for information only, using 2026/27 rates for England, Wales and Northern Ireland unless stated. Not financial or tax advice; check your own situation with HMRC or a qualified adviser.
How it works
Income tax is charged on pay above your personal allowance (£12,570). In England, Wales and Northern Ireland the next £37,700 is taxed at 20%, then 40% up to £125,140, and 45% above that. Scotland has six bands from 19% to 48%.
Your personal allowance shrinks by £1 for every £2 you earn over £100,000, so it's gone completely at £125,140. That's why pay between £100k and £125k is effectively taxed at 60%.
Employee National Insurance is 8% on pay between £12,570 and £50,270, and 2% above that. Student loans take 9% (6% for postgraduate loans) of pay above your plan's threshold.
Pension contributions through salary sacrifice reduce your pay before tax and NI, so they save you the most. Net pay arrangements save tax but not NI. With relief at source you pay 80% and your provider claims the other 20% from HMRC.
Frequently asked questions
How much is £30,000 after tax in the UK?+
On a £30,000 salary in England for 2026/27, with no pension or student loan, you take home about £25,120 a year, or £2,093 a month.
What is the personal allowance for 2026/27?+
£12,570, the same as the last few years. It starts to reduce once your income goes over £100,000.
Is this accurate for Scotland?+
Yes. Tick the Scotland option and it uses the six Scottish income tax bands. National Insurance is the same across the UK.
Why is my payslip slightly different?+
Payroll works out tax period by period, using your tax code, and may include benefits, overtime or other deductions. This calculator shows the full-year picture on a standard 1257L code.