---
title: "UK Take-Home Pay Calculator 2026/27 — Income Tax + NI (HMRC Rates)"
description: "Free UK take-home pay calculator using 2026/27 HMRC rates. Shows income tax (20%/40%/45%) and National Insurance (8%/2%) deductions. Includes personal allowance taper and NI thresholds."
url: "https://worldcalculators.org/uk/take-home-pay-calculator/"
canonical: "https://worldcalculators.org/uk/take-home-pay-calculator/"
---

# UK Take-Home Pay Calculator 2026/27

Free UK take-home pay calculator using 2026/27 HMRC rates. Shows income tax (20%/40%/45%) and National Insurance (8%/2%) deductions. Includes personal allowance taper and NI thresholds.

## Quick answer

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

Thresholds frozen to 2030/31; employer NI (15%) is paid on top of salary, not deducted.

## 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

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.
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%.

## Do you need a UK accountant — or is HMRC enough?

Skip an accountant if you are PAYE-only with a normal tax code: this page is an educational estimate. Use HMRC’s free income-tax estimator and your payslip. That official route wins for a simple employment.
Compare firms if you are self-employed, a landlord, a limited company, on IR35 or CIS, or filing Self Assessment that this calculator cannot cover.

Source: https://worldcalculators.org/uk/take-home-pay-calculator/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.