Take-Home Pay Calculator (2026/27)
Enter your gross annual salary to see your income tax, National Insurance and net take-home pay for the 2026/27 tax year — per year, month and week. Rates are taken directly from HMRC and cited below. Because both tax and NI are charged in slices, your effective deduction rate is always lower than your top band rate.
How it works
Income tax: your first £12,570 is tax-free (Personal Allowance). Income above that is taxed at 20% up to £50,270, at 40% up to £125,140, and at 45% above that. If you earn over £100,000, your Personal Allowance shrinks by £1 for every £2 of income, disappearing entirely at £125,140.
National Insurance: you pay 8% on earnings between £12,570 and £50,270, and 2% on anything above. Your take-home pay is simply gross salary minus income tax minus National Insurance.
A worked example at £30,000: income tax is 20% of the £17,430 above the allowance = £3,486, and NI is 8% of the same £17,430 = £1,394.40. Take-home is £30,000 − £3,486 − £1,394.40 = £25,119.60 a year, or about £2,093 a month.
Crossing into the higher band changes only the top slice. At £60,000: tax is 20% of £37,700 (£7,540) plus 40% of the £9,730 above £50,270 (£3,892) = £11,432; NI is 8% of £37,700 (£3,016) plus 2% of £9,730 (£194.60) = £3,210.60. Take-home: £45,357.40 — about £3,780 a month.
The most common misreading is thinking a pay rise past £50,270 taxes your whole salary at 40%. Only the slice above the threshold attracts the higher rate — the £37,700 basic-rate slice and the tax-free allowance are untouched, so a rise never reduces your take-home.
The £100,000 taper is the exception worth watching: between £100,000 and £125,140 each extra £2 of pay also removes £1 of allowance, so £10,000 earned in that band costs £6,000 in extra income tax — an effective 60% rate before NI. This is the one range where the marginal arithmetic genuinely surprises people.
What the result includes and excludes: income tax and employee National Insurance only, using the England/Wales/Northern Ireland bands. Student loan repayments and pension contributions are not yet included, so a payslip with either will show a lower net figure. Scottish taxpayers need the separate Scottish calculator — Scotland's six bands differ significantly.
FAQ
What are the UK income tax rates for 2026/27?
The Personal Allowance is £12,570. Income above it is taxed at 20% (basic rate, up to £50,270), 40% (higher rate, up to £125,140) and 45% (additional rate). These thresholds are frozen and unchanged from 2025/26.
How much National Insurance will I pay in 2026/27?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. The rates are unchanged from last year and are confirmed in HMRC’s official 2026/27 employer guidance.
Why does my Personal Allowance disappear above £100,000?
For every £2 you earn over £100,000, you lose £1 of Personal Allowance. At £125,140 it reaches zero. This creates an effective 60% tax rate on income between £100,000 and £125,140 — one reason many people in that band increase pension contributions.
Does this calculator work for Scotland?
Not yet. Scotland sets its own income tax bands (19% to 48% across six bands in 2026/27), which differ significantly from the rest of the UK. National Insurance is UK-wide, so that part would match. A Scottish version is planned.
What is the take-home pay on a £30,000 salary in 2026/27?
About £25,120 a year — roughly £2,093 a month. The deductions are £3,486 of income tax (20% of the £17,430 above the Personal Allowance) and £1,394.40 of National Insurance (8% of the same slice). That means you keep close to 84p of every pound at this salary level.
What is the take-home pay on a £60,000 salary in 2026/27?
About £45,357 a year, or roughly £3,780 a month. Income tax is £11,432 (£7,540 at 20% plus £3,892 at 40% on the slice above £50,270) and National Insurance is £3,210.60 (8% up to £50,270, then 2%). Only the £9,730 above the higher-rate threshold is touched by the 40% rate.
Do I pay 40% on everything once I earn over £50,270?
No — the 40% rate applies only to the slice of income above £50,270. Your Personal Allowance stays tax-free and the £37,700 basic-rate band stays at 20%, whatever you earn (until the allowance taper begins at £100,000). A pay rise that crosses the threshold therefore always increases your take-home pay.
Why is my actual payslip lower than this calculator shows?
Most often because of deductions this tool does not yet include: pension contributions and student loan repayments both come out of pay but are outside the income tax and NI calculation shown here. If neither applies and the gap persists, check your tax code — the calculation assumes the standard Personal Allowance of £12,570.
Related tools
Salary breakdowns
See the full after-tax breakdown for a specific salary: