2026/27 tax year · England, Wales, NI & Scotland

What's your take-home pay?

Put in your salary to see what lands in your bank each month after tax, National Insurance, student loan and pension, using HMRC's rates for 6 April 2026 to 5 April 2027.

Your salary before any deductions. Your contract or payslip calls it gross pay.

Where do you live?
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Workplace pensions usually take 5%. Not sure how yours works? Your payslip or pension provider will say. "Taken before tax" is the most common.

More options

Many employers that pay the legal minimum use qualifying earnings.

Your payslip
Gross pay–
Income Tax–
National Insurance–
Take home a month–
A year–
A month–
A week–

You keepTaxNILoansPension

Popular salaries after tax

Monthly and weekly take-home pay for common UK salaries, in England and Scotland.

£20,000£25,000£28,000£30,000£35,000£40,000£45,000£50,000£60,000£70,000£80,000£100,000

More tools

Pay rise calculatorSee how much of a pay rise you actually keep. Hourly pay calculatorYour hourly rate after tax, and part-time hours. 2026/27 tax ratesEvery band and threshold in one place.

Guides

The 60% tax trapWhy £100k to £125,140 is taxed at 60%, and how to avoid it.Scotland vs England taxWho pays more, at every salary.Student loan repaymentsMonthly repayments by salary, for every plan.Salary sacrifice explainedHow it saves tax and NI, with examples.Minimum wage take-home pay£12.71 an hour after tax, full and part time.

Common questions

How accurate is this?

It uses HMRC's 2026/27 rates and thresholds and the standard tax code 1257L, worked out over the whole year. Your payslip can differ by a few pounds because payroll works pay period by pay period, and it will differ more if you have a different tax code, company car or other benefits.

Why does Scotland pay different tax?

Scotland sets its own Income Tax bands, with six rates from 19% to 48%. National Insurance is the same across the UK. People in Scotland earning up to about £33,500 pay slightly less tax than in England, and people earning more pay more.

Which student loan plan am I on?

It depends on where and when you started your course. Plan 2 covers most English and Welsh students who started between 2012 and July 2023, Plan 5 covers English students from August 2023, Plan 1 covers earlier English and Welsh students and Northern Ireland, and Plan 4 is Scotland. You can check in your student loan account.

What happens over £100,000?

You lose £1 of your tax-free Personal Allowance for every £2 you earn over £100,000. Between £100,000 and £125,140, that makes the tax on each extra pound 60%, plus 2% National Insurance. Read about the 60% tax trap.