UK Take-Home Pay Calculator
See exactly what lands in your bank account in the 2026/27 tax year. Income tax, National Insurance, pension contributions and student loan repayments — for England, Wales & Northern Ireland and for Scotland. Free, instant and completely private.
Scotland sets its own income tax rates and bands. National Insurance is the same UK-wide.
Modelled as salary sacrifice: it comes off your pay before tax, National Insurance and student loan are worked out.
Repayments are estimated on your pay after any salary-sacrifice pension.
On a gross salary of £40,000 a year, your estimated take-home pay for 2026/27 is £32,319.60 — £2,693.30 a month after income tax (£5,486.00), National Insurance (£2,194.40).
Total deductions of £7,680.40 are 19.2% of gross pay.
- Take-home per year
- £32,319.60
- Per month
- £2,693.30
- Per week
- £621.53
- Per day
- £124.31
| Breakdown | Per year | Per month |
|---|---|---|
| Gross pay | £40,000.00 | £3,333.33 |
| Income tax | −£5,486.00 | −£457.17 |
| National Insurance | −£2,194.40 | −£182.87 |
| Total deductions | −£7,680.40 | −£640.03 |
| Take-home pay | £32,319.60 | £2,693.30 |
Estimates only, based on the standard tax code 1257L and published 2026/27 rates. Pension contributions are modelled as salary sacrifice, National Insurance is annualised (in reality it is worked out per pay period with no annual cap reconciling), and student loan repayments are estimated on post-pension pay. Your actual take-home pay depends on your tax code, pay period, benefits and circumstances. This site provides general information only and is not financial, tax or legal advice. See how take-home pay is calculated, step by step.
A worked example: £50,000 in England
Take a £50,000 salary, standard tax code 1257L, no pension sacrifice and no student loan:
- Personal Allowance: £12,570 — so £37,430 is taxable
- Income tax: £37,430 at 20% = £7,486.00
- National Insurance: £37,430 at 8% = £2,994.40
- Take-home: £39,519.60 a year — £3,293.30 a month
Earn the same salary in Scotland and the numbers move: on £35,000, Scottish income tax is £4,501.07 because the Starter, Basic and Intermediate bands slice the income differently. Use the region toggle in the calculator to compare your own salary both ways, and read the step-by-step calculation guide for the full method.
Common salaries, after tax
Take-home pay for 2026/27 with no pension contribution and no student loan. Scottish figures use Scotland's own bands.
| Gross salary | Take-home (England, Wales & NI) | Per month |
|---|---|---|
| £20,000 | £17,919.60 | £1,493.30 |
| £25,000 | £21,519.60 | £1,793.30 |
| £30,000 | £25,119.60 | £2,093.30 |
| £35,000 | £28,719.60 | £2,393.30 |
| £40,000 | £32,319.60 | £2,693.30 |
| £45,000 | £35,919.60 | £2,993.30 |
| £50,000 | £39,519.60 | £3,293.30 |
| £60,000 | £45,357.40 | £3,779.78 |
| £75,000 | £54,057.40 | £4,504.78 |
| £100,000 | £68,557.40 | £5,713.12 |
2026/27 income tax bands and rates
Bands apply to income above the Personal Allowance. Over £100,000 the allowance itself tapers away — £1 lost for every £2 earned — until it reaches zero at £125,140.
England, Wales & Northern Ireland
| Band | Rate | Taxable income (2026/27) |
|---|---|---|
| Personal Allowance | 0% | Up to £12,570 |
| Basic rate | 20% | £12,571 to £50,270 |
| Higher rate | 40% | £50,271 to £125,140 |
| Additional rate | 45% | Over £125,140 |
Scotland
| Band | Rate | Taxable income (2026/27) |
|---|---|---|
| Personal Allowance | 0% | Up to £12,570 |
| Starter rate | 19% | £12,571 to £16,537 |
| Basic rate | 20% | £16,538 to £29,526 |
| Intermediate rate | 21% | £29,527 to £43,662 |
| Higher rate | 42% | £43,663 to £75,000 |
| Advanced rate | 45% | £75,001 to £125,140 |
| Top rate | 48% | Over £125,140 |
National Insurance (employees, UK-wide)
| Band | Rate | Taxable income (2026/27) |
|---|---|---|
| Below the primary threshold | 0% | Up to £12,570 a year |
| Main rate | 8% | £12,570 to £50,270 a year |
| Additional rate | 2% | Over £50,270 a year |
National Insurance is charged per pay period rather than annually, and is not reduced by the Personal Allowance taper. Employer National Insurance is paid by your employer on top of your salary and does not come out of your take-home pay.
Make the most of your take-home pay
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