🇬🇧 United Kingdom · Income tax + National Insurance
UK Take-Home Pay Calculator 2026/27
For the 2026/27 tax year, UK employees keep their first £12,570 tax-free, pay 20% income tax up to £50,270, 40% up to £125,140 and 45% above that, plus 8% National Insurance between £12,570–£50,270 and 2% above. On a £40,000 salary that works out to roughly £32,320 a year take-home, or about £2,693 a month.
Salary after tax — quick links
Pre-calculated 2026/27 breakdowns for common salaries:
2026/27 UK Tax Rates
Income Tax
| Personal Allowance | £0 – £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Over £125,140 | 45% |
National Insurance (Class 1)
| Below PT | Under £12,570/yr | 0% |
| Main Rate | £12,570 – £50,270 | 8% |
| Upper Rate | Over £50,270/yr | 2% |
Thresholds frozen to 2030/31; employer NI (15%) is paid on top of salary, not deducted.
| Annual Salary | Income Tax | NI | Take-Home/yr | Take-Home/mo |
|---|---|---|---|---|
| £20,000 | £1,486 (7.4%) | £594 (3%) | £17,920 | £1,493 |
| £30,000 | £3,486 (11.6%) | £1,394 (4.6%) | £25,120 | £2,093 |
| £40,000 | £5,486 (13.7%) | £2,194 (5.5%) | £32,320 | £2,693 |
| £50,000 | £7,486 (15%) | £2,994 (6%) | £39,520 | £3,293 |
| £60,000 | £11,432 (19.1%) | £3,211 (5.4%) | £45,357 | £3,780 |
| £80,000 | £19,432 (24.3%) | £3,611 (4.5%) | £56,957 | £4,746 |
| £100,000 | £27,432 (27.4%) | £4,011 (4%) | £68,557 | £5,713 |
| £125,000 | £43,050 (34.4%) | £4,511 (3.6%) | £77,439 | £6,453 |
How this is calculated
Your personal allowance (£12,570) comes off first — if you earn over £100,000 it shrinks by £1 for every £2 above that, disappearing entirely at £125,140, which creates an effective 60% tax band between those figures. What's left is taxed through the three bands. National Insurance is calculated separately on your gross pay. This tool shows employee deductions only; your employer pays 15% NI on top of your salary, not out of it.
Comparing countries? See the same salary through the German net-salary calculator or the India in-hand salary calculator — the gap between gross and net tells a different story in every system.
Common questions
What are the UK income tax rates for 2026/27? +
Personal allowance £12,570 (0%), basic rate 20% to £50,270, higher rate 40% to £125,140, additional rate 45% above. All three rates and thresholds are unchanged from 2025/26 and the freeze runs to 2030/31 — so as wages rise, more of your income drifts into higher bands ("fiscal drag"). Scotland uses different bands and rates.
How much National Insurance will I pay? +
8% on annual earnings between £12,570 and £50,270, then 2% on everything above £50,270. The 8% main rate has applied since April 2024, when it was cut from 10%.
Why is my payslip different from this result? +
Pension contributions, student loan repayments, salary sacrifice, company benefits and non-standard tax codes all change the real figure. This calculator is the clean tax-and-NI baseline so you can see what the system itself takes.