Work out your net pay (take-home earnings) after Income Tax, National Insurance, pension and student loan. Built by Chartered Certified Accountants, covering Scottish rates and the personal-allowance taper — convert any gross salary to the amount you actually keep.
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For the 2026/27 tax year, your take-home pay is your gross salary after the £12,570 personal allowance, Income Tax and employee National Insurance (8% then 2%). In England, Wales and Northern Ireland a £30,000 salary gives roughly £25,120 a year — about £2,093 a month — after £3,486 Income Tax and £1,394 National Insurance. Scotland uses six bands from 19% to 48%.
Typical take-home earnings for common UK salaries, shown after Income Tax and National Insurance. Figures assume rest-of-UK rates, the standard 1257L tax code, no pension and no student loan — change any of these in the calculator above.
UK take-home pay by gross annual salary for the 2026/27 tax year, after Income Tax and National Insurance.
Gross salary
Income Tax
NI
Take-home / yr
Per month
£20,000
£1,486
£594
£17,920
£1,493
£25,000
£2,486
£994
£21,520
£1,793
£30,000
£3,486
£1,394
£25,120
£2,093
£40,000
£5,486
£2,194
£32,320
£2,693
£50,000
£7,486
£2,994
£39,520
£3,293
£60,000
£11,432
£3,211
£45,357
£3,780
£80,000
£19,432
£3,611
£56,957
£4,746
£100,000
£27,432
£4,011
£68,557
£5,713
Estimates for guidance only. Your actual take-home pay depends on your tax code, pension, student loan, region and any taxable benefits — use the calculator above for a figure tailored to you.
How it works
How your take-home earnings are worked out.
Your net pay is your gross salary minus four deductions. Here is what each one is and how the calculator applies it.
Income Tax
You pay no Income Tax on the first £12,570 of earnings (the Personal Allowance). In England, Wales and Northern Ireland the remainder is taxed at 20% up to £50,270, 40% up to £125,140 and 45% above that. Scotland uses six bands from 19% to 48%. If you earn over £100,000, your allowance tapers away — the calculator handles this for you so the figure matches what HMRC would charge.
National Insurance
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, then 2% on anything above that. NI rates are the same across the whole UK, including Scotland, and are calculated on your salary after any salary-sacrifice pension.
Pension & student loan
A salary-sacrifice pension contribution is removed from your gross pay before tax and NI, which lowers both. Student-loan repayments (Plan 1, 2, 4, 5 or Postgraduate) are then taken at 9% — or 6% for postgraduate loans — on earnings above your plan threshold. Both are optional inputs in the calculator.
From gross to net pay
Net income from gross is simply your salary after all four deductions. The calculator shows your take-home pay per year, month, week and day, plus your effective tax rate — the share of total earnings lost to deductions — so you can compare offers, plan a budget or check a payslip in seconds. On a £50,000 salary, for example, that effective rate is about 21%.
Questions
Frequently asked questions.
If you earn £25,000 a year in England, Wales or Northern Ireland for 2026/27, your take-home pay is about £21,520 a year, or roughly £1,793 a month. That is after £2,486 Income Tax and £994 National Insurance, assuming the standard 1257L tax code, no pension contribution and no student loan. Add a pension or student-loan plan in the calculator above to refine the figure.
If you earn £30,000 a year in England, Wales or Northern Ireland for 2026/27, your take-home pay is about £25,120 a year, or roughly £2,093 a month. That is after £3,486 Income Tax and £1,394 National Insurance, assuming the standard 1257L tax code, no pension contribution and no student loan. Add a pension or student-loan plan in the calculator above to refine the figure.
If you earn £50,000 a year in England, Wales or Northern Ireland for 2026/27, your take-home pay is about £39,520 a year, or roughly £3,293 a month. That is after £7,486 Income Tax and £2,994 National Insurance, assuming the standard 1257L tax code, no pension contribution and no student loan. Add a pension or student-loan plan in the calculator above to refine the figure.
Gross pay is your salary before any deductions. Net pay — also called take-home pay — is what actually reaches your bank account after Income Tax, National Insurance, pension contributions and any student-loan repayments are removed. This tool converts gross to net (and shows the breakdown) for the chosen tax year.
For 2026/27 the standard Personal Allowance is £12,570, then 20% on income up to £50,270, 40% up to £125,140 and 45% above that in England, Wales and Northern Ireland. Scotland has its own bands from 19% to 48%. The calculator applies the correct bands for your region and shows the exact Income Tax due on your salary.
It uses the 2026/27 tax year (6 April 2026 to 5 April 2027). Rates are taken directly from HMRC and the Scottish Government and updated when bands change.
Yes. Select 'Scotland' as your region and the calculator applies the Scottish income-tax bands (Starter, Basic, Intermediate, Higher, Advanced and Top rates). National Insurance is the same across the UK.
Your personal allowance reduces by £1 for every £2 of adjusted net income above £100,000, and disappears entirely at £125,140. The calculator handles this taper automatically.
Pension is modelled as salary sacrifice, so the contribution is deducted from your gross pay before Income Tax and National Insurance are calculated. This is the most common modern workplace-pension setup.
The calculator supports Plan 1, Plan 2, Plan 4 (Scotland), Plan 5, and Postgraduate loans. Repayments are 9% above the threshold for undergraduate plans and 6% for postgraduate loans.
No. It is a quick estimate based on standard assumptions (1257L tax code, employee-only Class 1 NI, no benefits in kind). For salary structuring, dividend planning, or tax efficiency, book a free consultation with Countify.
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