UK Take-Home Pay Calculator 2026/27
See what you take home from your salary after income tax, National Insurance, student loan and pension, for the tax year 6 April 2026 to 5 April 2027, with each deduction worked out step by step.
Take-home pay a month
£2,093.30
On £30,000 a year you take home £25,119.60 a year, or £2,093.30 a month, after £3,486.00 income tax and £1,394.40 National Insurance.
- Take-home a year
- £25,119.60
- Income tax a year
- £3,486.00
- National Insurance a year
- £1,394.40
Show me how
Why does this work?
All steps as text
Tip: press ← and → to move between steps, or click any step.
Your pay by year, month and week
| 2026/27 | Year | Month | Week |
|---|
Months are a twelfth of the year and weeks a fifty-second. Your payslip is worked out pay period by pay period, so it can differ by a few pounds.
How take-home pay is worked out
- Pension first: salary sacrifice comes off your pay before tax and National Insurance; a net pay scheme comes off before tax only; relief at source comes out of your pay after tax, and the government adds 20%.
- Personal allowance: the first £12,570 is tax-free. Over £100,000 it shrinks by £1 for every £2, and is gone at £125,140.
- Income tax: what is left is taxed band by band, each band at its own rate.
- National Insurance: 8% of pay between £12,570 and £50,270 a year, and 2% above.
- Student loans: 9% of pay over your plan’s threshold (6% for a postgraduate loan).
- Take-home pay is what is left.
Income tax bands for 2026/27
Outside Scotland the personal allowance and bands are frozen; Scotland’s starter and basic rate bands went up this year. The bands are for taxable income, after the personal allowance of £12,570; the salaries in brackets assume the full allowance.
| England, Wales and Northern Ireland | Rate |
|---|---|
| Basic rate: up to £37,700 (salary £12,571 to £50,270) | 20% |
| Higher rate: £37,701 to £125,140 (salary £50,271 to £125,140) | 40% |
| Additional rate: over £125,140 | 45% |
| Scotland | Rate |
|---|---|
| Starter rate: up to £3,967 (salary £12,571 to £16,537) | 19% |
| Basic rate: £3,968 to £16,956 (salary to £29,526) | 20% |
| Intermediate rate: £16,957 to £31,092 (salary to £43,662) | 21% |
| Higher rate: £31,093 to £62,430 (salary to £75,000) | 42% |
| Advanced rate: £62,431 to £125,140 | 45% |
| Top rate: over £125,140 | 48% |
Student loan thresholds for 2026/27: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795 and Plan 5 £25,000, all at 9%; postgraduate loan £21,000 at 6%.
Please note
This calculator uses the standard tax code (1257L, or S1257L in Scotland) and the rates on GOV.UK’s Rates and thresholds for employers 2026 to 2027. It doesn’t include benefits in kind, the High Income Child Benefit Charge, tax on savings or other income, or extra pension relief claimed through a tax return. Pension contributions are a percentage of your whole salary; many workplace schemes use only earnings between two limits, so check your scheme. The figures stay in your browser; nothing you type is sent anywhere.
Questions
What is the take-home pay on £30,000 in 2026/27?
In England, Wales or Northern Ireland, with no pension or student loan: £25,119.60 a year, or £2,093.30 a month. Income tax is £3,486 and National Insurance £1,394.40.
Why is my payslip slightly different?
Payroll works out tax and National Insurance for each pay period, rounding as it goes, and your tax code may not be the standard one. Over a whole year the totals end up very close to these.
Does a pay rise ever leave me worse off?
No. A higher rate applies only to the part of your income inside that band. Between £100,000 and £125,140 the tax on each extra pound is 60% (67.5% in Scotland) because the allowance shrinks, but you still keep some of every pound.
Which student loan plan am I on?
Plan 1 is for most English and Welsh students who started before September 2012, and Northern Irish students; Plan 2 for English students who started between September 2012 and July 2023, and Welsh students who started from September 2012; Plan 4 for Scottish students; Plan 5 for English students who started from August 2023. Your plan is shown in your Student Loans Company account.
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