UK Salary & Take‑Home Pay Calculator
See exactly how much salary you keep after PAYE tax, National Insurance, pension deductions, and student loan repayments.
Detailed Salary Breakdown
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Salary Allocation
Gross vs Net
Frequently Asked Questions
This works out your salary after tax for 2026/27. Put in your annual salary, plus any bonus, overtime, pension or salary sacrifice, choose your student loan plan and whether you pay tax in Scotland, and it shows what you keep each year, month and week, with each deduction broken out.
Filling it in
Use your gross salary, the figure on your contract. Bonus and overtime are for what you expect over the whole year.
The pension percentage is treated as salary sacrifice, so it comes off before Income Tax, National Insurance and student loan. If your scheme uses relief at source or net pay, your actual take-home will be slightly different. The separate salary sacrifice box (in pounds) is for things like an electric car or cycle-to-work scheme.
Most people with one job have tax code 1257L, or S1257L in Scotland. The calculator also handles BR, D0, 0T and NT, but not K codes. If you’re not sure which student loan plan you’re on, the Student Loan Repayment Calculator explains how to tell.
Salary after tax table 2026/27
For an employee in England, Wales or Northern Ireland on 1257L, with no pension or student loan:
| Salary | Income Tax | National Insurance | Take-home (year) | Take-home (month) |
|---|---|---|---|---|
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £45,000 | £6,486 | £2,594 | £35,920 | £2,993 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £70,000 | £15,432 | £3,411 | £51,157 | £4,263 |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
A pension or student loan will bring these down, so put your own figures into the calculator for the real number.
Where the deductions come from
Income Tax: nothing on the first £12,570, then 20% up to £50,270, 40% up to £125,140 and 45% above that. Scotland uses six bands instead, and on £50,000 a Scottish taxpayer pays £8,982 against £7,486 elsewhere; the Scottish Income Tax Calculator has the detail.
National Insurance: 8% on earnings between £12,570 and £50,270, then 2% above. It’s the same across the UK.
Student loan: 9% of income above your plan’s threshold, or 6% for a Postgraduate Loan. On £40,000 with Plan 2, that’s £955 a year.
Pension: through salary sacrifice it comes off before tax and NI, so £100 into your pension costs a basic-rate taxpayer only £72 of take-home pay.
What a pay rise is really worth
Not as much as the headline. A rise from £35,000 to £38,000 adds £2,160 a year to take-home pay, or £180 a month, because 28% goes on tax and NI at that level. In the higher-rate band you keep 58p of each extra pound. Between £100,000 and £125,140 it’s just 38p, because of the Personal Allowance taper.
£100,000 and above
Over £100,000 your Personal Allowance shrinks by £1 for every £2 earned, until it’s gone at £125,140. Within that range, each extra pound is effectively taxed at 60%, plus 2% NI.
| Salary | Take-home (year) | Take-home (month) |
|---|---|---|
| £100,000 | £68,557 | £5,713 |
| £110,000 | £72,357 | £6,030 |
| £120,000 | £76,157 | £6,346 |
Going from £100,000 to £120,000 adds £20,000 to your salary but only £7,600 to your take-home. That’s why so many people in this range put the difference into their pension through salary sacrifice. Try it in the calculator and watch the allowance come back.
Working backwards: what salary do I need?
The calculator goes from gross to net. If you have a monthly figure in mind, this table gives a starting point (England, Wales and Northern Ireland, 1257L, no pension or student loan):
| Take-home per month | Per year | Salary needed (approx.) |
|---|---|---|
| £2,000 | £24,000 | £28,450 |
| £2,500 | £30,000 | £36,780 |
| £3,000 | £36,000 | £45,110 |
| £3,500 | £42,000 | £54,210 |
| £4,000 | £48,000 | £64,560 |
Then fine-tune it by putting a few salaries near that figure into the calculator.
Will take-home pay change in 2027/28?
For most people outside Scotland, probably not. The October 2026 Budget kept the Personal Allowance at £12,570, the basic rate limit at £37,700, and employee National Insurance rates and thresholds unchanged for 2027/28. Changes to pension or student loan deductions could still move your figure, and Scottish rates are set separately in the Scottish Budget. We’ll update the calculator when everything’s confirmed.
Questions people ask
How much is £30k a year after tax per month?
About £2,093 a month (£25,120 a year) in England, Wales or Northern Ireland in 2026/27, with a 1257L tax code and no pension or student loan.
What is the take-home pay on £35,000?
£28,720 a year, or about £2,393 a month, after £4,486 Income Tax and £1,794 National Insurance.
How much is £40,000 after tax in the UK?
£32,320 a year, or £2,693 a month, in 2026/27 outside Scotland with no pension or student loan.
How much is £50,000 after tax?
£39,520 a year, or £3,293 a month, after £7,486 Income Tax and £2,994 National Insurance.
How much is £100,000 after tax?
£68,557 a year, or about £5,713 a month. Above £100,000, your Personal Allowance starts to be withdrawn.
Is take-home pay different in Scotland?
Yes, because Scotland has different Income Tax bands. National Insurance is the same across the UK.
Related: UK Income Tax Calculator · Self Assessment Tax Calculator · Budget Planner · Mortgage Calculator
Sources: GOV.UK Income Tax rates, GOV.UK rates and thresholds for employers 2026 to 2027. Figures assume annual calculations; your payslip may differ slightly because PAYE is worked out each pay period. Last reviewed: 3 November 2026.