UK take-home pay calculator 2026/27
With this UK take home pay calculator, enter your gross salary per year, month or week and see what lands in your bank account in the 2026/27 tax year – after income tax, National Insurance, student loan repayments and your workplace pension. Scottish rates, all loan plans and the three common pension set-ups are covered. Everything is calculated in your browser.
Source: HMRC – Rates and thresholds for employers 2026 to 2027 (tax bands UK and Scotland, NI Class 1, student loans). Updated: .
How it is calculated
How take-home pay is worked out
Your employer deducts income tax through PAYE, employee National Insurance, student and postgraduate loan repayments and your pension contribution. This calculator follows HMRC’s own Estimate your take-home pay tool: in 21 test cases – different salaries, Scotland, every loan plan and pension percentages – the results matched to the penny.
| 2026/27 | England, Wales, NI | Scotland |
|---|---|---|
| Personal Allowance | £12,570 (reduced by £1 for every £2 over £100,000; nil from £125,140) | |
| Rates on taxable income | 20% up to £37,700 40% to £125,140 45% above | 19% up to £3,967, 20% to £16,956, 21% to £31,092, 42% to £62,430, 45% to £125,140, 48% above |
| National Insurance | 8% between £12,570 and £50,270, 2% above | |
| Student loans | 9% above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4), £25,000 (Plan 5); postgraduate loan 6% above £21,000 | |
Why is tax £9 lower than the allowance suggests? Under PAYE the tax code 1257L gives £12,579 of tax-free pay a year – HMRC’s payroll specification turns the code number into pay as number × £10 + £9.
Examples for 2026/27
No pension or student loan:
| Salary | Take-home per month (England) | Take-home per month (Scotland) |
|---|---|---|
| £25,000 | £1,793.45 | £1,796.76 |
| £30,000 | £2,093.45 | £2,096.37 |
| £40,000 | £2,693.45 | £2,688.03 |
| £50,000 | £3,293.45 | £3,168.94 |
| £60,000 | £3,780.08 | £3,634.26 |
| £100,000 | £5,713.42 | £5,438.45 |
With a 5% net pay pension and a Plan 2 loan, £35,000 leaves £26,816.40 a year: £4,134.20 tax, £1,794.40 NI, £505 loan and £1,750 pension.
Pension types
Net pay: the contribution comes off before income tax, but NI and student loans are still worked out on your full pay. Salary sacrifice: your salary is lowered, so tax, NI and the student loan are all lower. Relief at source: you pay 80% of the contribution from your net pay and the provider claims 20% from HMRC; higher and additional-rate relief is claimed via Self Assessment and is not included here.
Limits
Not included: other tax codes (benefits in kind, emergency codes), State Pension age, several jobs, bonuses and overtime, the Class 1 NI categories for apprentices and under-21s, Self Assessment reliefs and pay-period rounding in your payroll (monthly pay can differ by a few pence). Tax year 2026/27, checked 29 Sep 2026. An estimate, not tax or financial advice.
Frequently asked questions
What is £30,000 after tax in the UK?
£25,121.40 a year or £2,093.45 a month in England, Wales or Northern Ireland in 2026/27, without pension or student loan: £3,484.20 income tax and £1,394.40 National Insurance.
How much is £40k after tax?
£32,321.40 a year (£2,693.45 a month) in England, Wales and Northern Ireland, and £32,256.42 in Scotland, before any pension or student loan.
How much tax do I pay on £50,000 in the UK?
£7,484.20 income tax and £2,994.40 National Insurance in 2026/27, leaving £39,521.40. In Scotland the income tax is £8,978.27.
Is the take-home pay different in Scotland?
Yes, Scotland sets its own income tax bands with six rates from 19% to 48%. Below a salary of about £33,500 Scots pay slightly less, above it more. National Insurance and student loans are the same across the UK.
How much is a student loan repayment per month?
9% of pay above the threshold of your plan. On £35,000 with Plan 2 that is (£35,000 − £29,385) × 9% = £505 a year, about £42 a month.
Why does the £100,000 salary lose the Personal Allowance?
The allowance falls by £1 for every £2 of adjusted net income over £100,000, which creates an effective 60% rate up to £125,140. Pension contributions reduce adjusted net income and can keep the allowance.
Sources and legal basis
- HMRC – Rates and thresholds for employers 2026 to 2027 (tax bands UK and Scotland, NI Class 1, student loans)
- GOV.UK – Income Tax rates and Personal Allowances 2026/27 (taper over £100,000)
- GOV.UK – Scottish Income Tax 2026 to 2027
- GOV.UK – National Insurance rates 2026/27
- HMRC – Specification for PAYE tax table routines v24.0 (code × £10 + £9)
- GOV.UK – Student loan and postgraduate loan repayment guidance for employers
- GOV.UK – Tax relief on pension contributions
- HMRC – Salary sacrifice for employers
- HMRC – Estimate your take-home pay (official calculator used to check 21 test cases)
As of:
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