UK take-home pay calculator · 2026/27

Income Tax, National Insurance, student loans, pensions and the High Income Child Benefit Charge, worked out from HMRC's own rates for England, Wales, Northern Ireland and Scotland. On £40,000, before any pension or student loan, you take home £32,320 a year, £2,693 a month.

Tax year 2026–27Rules v2026.1Verified 15 Oct 2026Independent model 56,588 checks matched

Take-home pay · year——

Per month——

Effective deduction rate—

Marginal rate——

Cost to employer——

Take-home across salaries

Your exact profile from £10,000 to £200,000. Dashed lines mark the Personal Allowance, the higher rate, the £100,000 taper and the additional/top rate.

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Every deduction, in the order it is applied

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Line	Annual	Monthly	Weekly	% of gross	Basis

Your tax band

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2026–27 vs 2025–26

Same salary and choices under both years' rules. 2027–28 appears here when HMRC publishes it.

Verification

Bands, NI and student loan thresholds from GOV.UK employer tables
56,588 checks against an independent tax model, 0 unexplained
GOV.UK student loan worked examples reproduced
Scottish bands per the Scottish Rate Resolution

How we test

Take-home in England

Gross	Take-home	Per month
£25,000	£21,520	£1,793
£35,000	£28,720	£2,393
£45,000	£35,920	£2,993
£60,000	£45,358	£3,780
£80,000	£56,958	£4,747
£120,000	£76,158	£6,347

2026–27, paid monthly, no pension or student loan.

Take-home pay at common salaries

England, Wales and Northern Ireland, 2026/27. Paid monthly, no pension or student loan.

Gross salary	Take-home · year	Per month	Income Tax	National Insurance	Deductions
£20,000	£17,920	£1,493	£1,486	£593.88	10.4%
£25,000	£21,520	£1,793	£2,486	£993.96	13.9%
£30,000	£25,120	£2,093	£3,486	£1,393.92	16.3%
£35,000	£28,720	£2,393	£4,486	£1,793.88	17.9%
£40,000	£32,320	£2,693	£5,486	£2,193.96	19.2%
£50,000	£39,520	£3,293	£7,486	£2,993.88	21.0%
£60,000	£45,358	£3,780	£11,432	£3,210.00	24.4%
£75,000	£54,058	£4,505	£17,432	£3,510.00	27.9%
£100,000	£68,558	£5,713	£27,432	£4,010.04	31.4%
£125,000	£78,058	£6,505	£42,432	£4,509.96	37.6%
£150,000	£91,287	£7,607	£53,703	£5,010.00	39.1%

2026/27 rates at a glance

From HMRC's rates and thresholds for employers. Scotland has its own bands — see Scotland.

Band	Rate	Salary (full allowance)
Personal Allowance	0%	up to £12,570
Basic rate	20%	£12,571 – £50,270
Higher rate	40%	£50,271 – £125,140
Additional rate	45%	£125,140+
National Insurance	8% / 2%	£12,570 – £50,270 / above
Student loan, Plan 1	9%	above £26,900
Student loan, Plan 2	9%	above £29,385
Student loan, Plan 4 (Scotland)	9%	above £33,795
Student loan, Plan 5	9%	above £25,000
Postgraduate Loan	6%	above £21,000

The Personal Allowance falls by £1 for every £2 of adjusted net income over £100,000 and is gone at £125,140, which is why pay between those two figures is taxed at an effective 60% (62% with NI).

Scotland and the rest of the UK

Same salary, 2026/27, paid monthly. Scottish taxpayers pay six Income Tax rates set by the Scottish Parliament; National Insurance is the same everywhere.

Gross salary	England, Wales, NI	Scotland	Difference a year
£20,000	£17,920	£17,960	+£40
£25,000	£21,520	£21,560	+£40
£30,000	£25,120	£25,155	+£35
£35,000	£28,720	£28,705	−£15
£40,000	£32,320	£32,255	−£65
£50,000	£39,520	£38,024	−£1,496
£60,000	£45,358	£43,608	−£1,750
£75,000	£54,058	£52,008	−£2,050
£100,000	£68,558	£65,258	−£3,300
£125,000	£78,058	£72,883	−£5,175
£150,000	£91,287	£85,356	−£5,931