UK salary calculator 2026/27, take-home pay after tax
This free UK salary calculator turns your gross salary into your real take-home pay for the 2026/27 tax year. Enter what you earn and it shows your salary after tax, Income Tax, employee National Insurance, pension and student loan, down to the monthly, weekly, daily and hourly figure. Every rate is based on official HMRC and GOV.UK figures, and you can see exactly how each number is worked out.
How your UK take-home pay is calculated
Two main deductions come out of a UK salary: Income Tax and National Insurance. Both are charged only on the part of your income that falls inside each band, after your tax-free Personal Allowance of £12,570.
| Band (England, Wales & NI) | Taxable income | Income Tax rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
Employee National Insurance (Class 1, Category A) is 8% on earnings between £12,570 and £50,270, then 2% above £50,270. Scotland uses its own Income Tax bands (19% to 48%); National Insurance is the same UK-wide.
Take-home pay by salary (2026/27)
A quick reference for a typical employee in England, Wales or Northern Ireland on tax code 1257L, with no pension or student loan. Enter your own figure above for an exact breakdown.
| Gross salary | Take-home (year) | Take-home (month) |
|---|---|---|
| £20,000 | £17,920 | £1,493 |
| £25,000 | £21,520 | £1,793 |
| £30,000 | £25,120 | £2,093 |
| £40,000 | £32,320 | £2,693 |
| £50,000 | £39,520 | £3,293 |
| £60,000 | £45,357 | £3,780 |
| £70,000 | £51,157 | £4,263 |
| £80,000 | £56,957 | £4,746 |
| £100,000 | £68,557 | £5,713 |
Want a specific figure? See the take-home pay for every salary from £15,000 to £150,000, read how much £50,000 is after tax, or our guide to how UK take-home pay works in 2026/27. Self-employed instead? Use the sole trader & freelance tax calculator.
Frequently asked questions
- Is this UK salary calculator free?
- Yes. The UK salary calculator is completely free, with no sign-up required. Enter your gross salary and it shows your take-home pay after Income Tax and National Insurance for the 2026/27 tax year, with every figure based on official HMRC and GOV.UK rates.
- How do I work out my take-home pay from a gross salary?
- Start with your gross salary, subtract the £12,570 Personal Allowance to find your taxable income, apply Income Tax (20% basic, 40% higher, 45% additional), then subtract employee National Insurance (8% on earnings between £12,570 and £50,270, 2% above). What's left is your take-home (net) pay. The calculator does all of this automatically and shows the working.
- How much is £50,000 after tax in the UK?
- A £50,000 salary in England, Wales or Northern Ireland gives a take-home pay of about £39,520 a year, or roughly £3,293 a month, for 2026/27, after £7,486 Income Tax and £2,994 National Insurance, assuming no pension or student loan.
- What is the Personal Allowance for 2026/27?
- The standard Personal Allowance for 2026/27 is £12,570, the amount you can earn before paying any Income Tax. It is reduced by £1 for every £2 you earn above £100,000 and disappears entirely at £125,140.
- How do I convert gross to net salary in the UK?
- Gross salary is your pay before deductions; net (take-home) pay is what reaches your bank account after Income Tax, National Insurance, and any pension or student-loan deductions. Enter your gross figure in the calculator above to convert gross to net instantly, or switch to Net → Gross mode to find the gross salary needed for a target take-home.
- Does the calculator work for Scotland?
- Yes. Choose Scotland as your region and the calculator applies the Scottish Income Tax bands (19% starter up to 48% top rate), which differ from England, Wales and Northern Ireland. National Insurance is the same across the whole UK.