Take-home pay calculator 2026/27
Enter a salary, choose your pension scheme and student loan plan, and see what reaches your bank account each year, month and week.
Your take-home pay
Tax year 2026/27| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £30,000 | £2,500.00 | £576.92 |
| Pension | −£0 | −£0.00 | −£0.00 |
| Income tax | −£3,486 | −£290.50 | −£67.04 |
| National Insurance | −£1,394 | −£116.20 | −£26.82 |
| Student loan | −£0 | −£0.00 | −£0.00 |
| Postgraduate loan | −£0 | −£0.00 | −£0.00 |
| Take-home | £25,120 | £2,093.30 | £483.07 |
Personal allowance £12,570. Of the next £100 you earn, you would keep £72.
Uses HMRC's 2026/27 rates with a standard tax code. Payroll works month by month, so a payslip can differ by a few pounds. How the calculator works
How the calculation works
Income tax is charged on pay above the personal allowance of £12,570. In England, Wales and Northern Ireland the basic rate of 20% runs to £50,270, then 40% to £125,140 and 45% above that. Scotland has six bands, from a 19% starter rate to a 48% top rate. The allowance shrinks by £1 for every £2 of adjusted net income over £100,000.
Employee National Insurance is 8% on earnings between £12,570 and £50,270 a year and 2% above that. Student loans take 9% of pay above your plan's threshold, and a postgraduate loan takes another 6% above £21,000.
The NHS, teachers', local government and Civil Service pension schemes all use a net pay arrangement: your contribution comes off before income tax but not before National Insurance. The calculator applies each scheme's 2026/27 contribution tier for the salary you enter. More detail is in how income tax works and National Insurance explained.
Take-home pay at common salaries
Yearly figures with no pension or student loan, for comparison. Your payslip works per pay period, so a single month can differ by a few pounds.
| Salary | England, Wales, NI | Per month | Scotland | Per month |
|---|---|---|---|---|
| £20,000 | £17,920 | £1,493 | £17,959 | £1,497 |
| £25,000 | £21,520 | £1,793 | £21,559 | £1,797 |
| £30,000 | £25,120 | £2,093 | £25,155 | £2,096 |
| £35,000 | £28,720 | £2,393 | £28,705 | £2,392 |
| £40,000 | £32,320 | £2,693 | £32,255 | £2,688 |
| £45,000 | £35,920 | £2,993 | £35,524 | £2,960 |
| £50,000 | £39,520 | £3,293 | £38,024 | £3,169 |
| £60,000 | £45,357 | £3,780 | £43,607 | £3,634 |
| £75,000 | £54,057 | £4,505 | £52,007 | £4,334 |
What the calculator does not cover
It assumes a standard 1257L tax code, category A National Insurance and one job. It does not include benefits in kind, overtime paid at different rates, salary sacrifice schemes other than pension, or tax refunds from an emergency code. If your code is not 1257L, see tax codes explained. For a problem with the tax you have paid, HMRC is the place to ask.