Paul Digital
Menu

UK Take-Home Pay Calculator

Enter your gross salary to see your take-home pay after Income Tax and National Insurance for the 2026/27 tax year.

Enter your values

Result

Take-home pay per year
£28,720
Per month
£2,393.30
Per week
£552.30
Income Tax per year
£4,486
National Insurance per year
£1,794
Total deducted
17.9%
Personal Allowance used
£12,570
  • Tax year 2026/27 for England, Wales and Northern Ireland, standard tax code (1257L), employee National Insurance. Scottish tax bands differ. Pension, student loan, benefits and other deductions are not included.

How to use UK Take-Home Pay Calculator

  1. Enter your gross salary, before tax.
  2. Choose whether it is per year, month or week.
  3. Read your take-home pay and the Income Tax and National Insurance deducted.

About this tool

Take-home pay is your salary minus Income Tax and employee National Insurance. In 2026/27 the first £12,570 is tax-free. The next £37,700 is taxed at 20%, income up to £125,140 at 40%, and anything above at 45%. The tax-free allowance shrinks by £1 for every £2 earned over £100,000.

Employee National Insurance is 8% on earnings between £12,570 and £50,270, and 2% above £50,270. This calculator is for England, Wales and Northern Ireland with the standard tax code. Scottish Income Tax uses different bands, and pension, student loan and benefits are not included.

How it is calculated

Income Tax = 20% / 40% / 45% on income above the Personal Allowance, using the bands above.

National Insurance = 8% × (earnings between £12,570 and £50,270) + 2% × (earnings above £50,270).

Take-home = salary − Income Tax − National Insurance.

Worked examples

  • £30,000: take-home £25,120 a year (£2,093 a month).
  • £35,000: take-home £28,720 a year (£2,393 a month).
  • £40,000: take-home £32,320 a year (£2,693 a month).
  • £45,000: take-home £35,920 a year (£2,993 a month).
  • £50,000: take-home £39,520 a year (£3,293 a month).

Tips for better results

  • Pension contributions through salary sacrifice reduce both tax and National Insurance.
  • Your tax code on your payslip may differ from the standard one.
  • Use the per-month option if your payslip shows a monthly gross.

Frequently asked questions

How much is £30,000 after tax in the UK?

About £25,120 a year in 2026/27.

What is the Personal Allowance?

The amount you can earn tax-free each year: £12,570 in 2026/27.

Does this include Scottish tax?

No. Scotland has its own Income Tax bands. This is for England, Wales and Northern Ireland.

Is this exact?

It is an estimate for the 2026/27 tax year using the standard tax code in England, Wales and Northern Ireland. Scottish rates, pension, student loan and other deductions are not included. Check your payslip or HMRC for your own figures. This is not tax advice.

Are my numbers saved or sent anywhere?

No. The calculation runs in your browser on your own device. Nothing you type is sent to Paul Digital or any other server.

Related tools

Privacy

The calculation runs in your browser on your own device. The numbers you type are not sent to Paul Digital or any other server. Results are estimates from the numbers you enter and are not financial, tax or legal advice.