UK Take-Home Pay Calculator
UK salary after tax for 2026/27: income tax (including Scotland), National Insurance, student loans and pension, by year, month and week.
How to Use UK Take-Home Pay Calculator
- 1Enter your salary as a yearly, monthly, weekly or hourly figure (with hours a week for an hourly rate).
- 2Choose where you live: England, Wales or Northern Ireland, or Scotland, which has its own income tax bands.
- 3Set your pension contribution and how it's paid: workplace (net pay), salary sacrifice or relief at source.
- 4Tick any student loan plans you're repaying, and whether you're over State Pension age (no National Insurance).
- 5Read your take-home pay by year, month and week, the tax in each band, and what your next £100 of pay would really be worth.
Frequently Asked Questions
What is the take-home pay on £30,000 in 2026/27?
In England, Wales or Northern Ireland, £25,119.60 a year or £2,093.30 a month, after £3,486 income tax and £1,394.40 National Insurance (with no pension or student loan). In Scotland it's £2,096.21 a month, because the 19% starter rate slightly outweighs the 21% intermediate rate at this salary.
How much tax do I pay on £50,000?
Outside Scotland, £7,486 income tax and £2,994.40 National Insurance, leaving £39,519.60 (£3,293.30 a month). In Scotland the tax is £8,982.05, because the 42% higher rate starts at £43,663, so take-home is about £1,500 a year lower.
What is the 60% tax trap?
Between £100,000 and £125,140 your tax-free Personal Allowance shrinks by £1 for every £2 you earn, so each extra £100 costs £40 in tax plus £20 from the lost allowance, plus 2% National Insurance: £62 in total. Pension contributions bring your income down: on £110,000, sacrificing £11,000 into a pension restores the full allowance and reduces take-home pay by only £4,380.
How does a student loan affect take-home pay?
You repay 9% of income above your plan's threshold (6% for a Postgraduate Loan). On £40,000 with a Plan 2 loan, the threshold is £29,385, so you repay £955.35 a year, cutting take-home pay from £2,693.30 to £2,613.69 a month. Repayments stop when the loan is repaid or written off.
Is salary sacrifice better than a normal pension contribution?
Usually, because it saves National Insurance as well as income tax: the contribution comes off your salary before NI is worked out. Some employers also add part of their own NI saving to your pension. It does lower the salary used for some things, such as mortgage applications and certain benefits.
Why is my payslip different?
Payroll works month by month using your tax code, so a different code (for example from a company car or an underpayment), a bonus in one month, or starting a job mid-year changes the figure. This calculator spreads pay evenly through the year with the standard 1257L code.
About UK Take-Home Pay Calculator
This UK take-home pay calculator works out what you'll actually receive from your salary in the 2026/27 tax year, after income tax, National Insurance, student loan repayments and pension contributions. It handles Scotland's six income tax bands as well as the rest of the UK's, the Personal Allowance taper above £100,000, every student loan plan including Postgraduate Loans, and the three ways pensions are paid.
Results are shown by year, month and week, with the tax in each band, the share of your pay you keep, what your employer pays in National Insurance on top, and the real deduction on your next £100 of pay. That last figure exposes the 60% trap between £100,000 and £125,140.
All rates and thresholds come from GOV.UK for 6 April 2026 to 5 April 2027 and are dated on the page. Everything is calculated in your browser.