Take Home Pay Calculator · Free UK 2026/27
Calculate your UK take home pay after income tax and National Insurance instantly. Updated for 2026/27 HMRC rates.
Take Home Pay Calculator
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This calculator provides estimates for guidance only. Your actual take home pay may vary depending on your tax code, employer pension scheme, and other deductions. Always check your payslip or contact HMRC for your exact figures.
How Take Home Pay is Calculated
Quick Answer: Your UK take home pay is calculated by subtracting income tax and National Insurance from your gross salary. For 2026/27, you pay no tax on the first £12,570 (your personal allowance), then 20% on earnings up to £50,270, and 40% above that. Most employees also pay 8% National Insurance on earnings between £12,570 and £50,270.
Income Tax and National Insurance for 2026/27
Take home pay (also called salary after tax or net pay) is what actually lands in your bank account after income tax, National Insurance, student loan repayments and pension contributions are deducted from your gross salary. This calculator uses the current HMRC rates for the 2026/27 tax year.
Formula
Take home pay = Gross salary − Income tax − National Insurance − Student loan − Pension
e.g. £50,000 gross → £7,486 tax − £3,016 NI = £39,498 take home
Worked Example, £50,000 salary
Assumes standard tax code 1257L, no student loan and no pension contribution.
Directors and the self-employed
If you run your own limited company, your take home picture is different, you likely pay yourself a small salary plus dividends. Our Corporation Tax Calculator and Dividend Tax Calculator cover that combination in full.
Pension contributions
A salary sacrifice pension arrangement reduces the salary that tax and National Insurance are calculated on, so it can leave you better off than an equivalent auto-enrolment contribution. See our Salary Sacrifice Calculator to compare the two side by side.
Common Salary Take Home Amounts
Here's what take home pay looks like at common UK salary levels for 2026/27, assuming a standard tax code, no student loan and no pension contribution.
| Annual Salary | Monthly Take Home | Tax Paid | NI Paid |
|---|---|---|---|
| £20,000 | £1,493.30 | £1,486 | £594 |
| £25,000 | £1,793.30 | £2,486 | £994 |
| £30,000 | £2,093.30 | £3,486 | £1,394 |
| £35,000 | £2,393.30 | £4,486 | £1,794 |
| £40,000 | £2,693.30 | £5,486 | £2,194 |
| £45,000 | £2,993.30 | £6,486 | £2,594 |
| £50,000 | £3,293.30 | £7,486 | £2,994 |
| £55,000 | £3,538.12 | £9,432 | £3,111 |
| £60,000 | £3,779.78 | £11,432 | £3,211 |
| £65,000 | £4,021.45 | £13,432 | £3,311 |
| £70,000 | £4,263.12 | £15,432 | £3,411 |
| £80,000 | £4,746.45 | £19,432 | £3,611 |
| £100,000 | £5,713.12 | £27,432 | £4,011 |
Income tax & National Insurance rates 2026/27
| Personal allowance | £12,570 |
| Basic rateup to £50,270 | 20% |
| Higher rate£50,271 – £125,140 | 40% |
| Additional rateover £125,140 | 45% |
| NI, basic ratebetween the thresholds | 8% |
| NI, upper rateabove £50,270 | 2% |
Source: HMRC / GOV.UK, 2026/27 tax year
Rates correct for 2026/27 tax year. Source: HMRC Income Tax rates and Personal Allowances.
Frequently Asked Questions
Take home pay is your gross salary minus income tax, National Insurance, and any other deductions like student loan repayments or pension contributions. For 2026/27, the first £12,570 you earn is tax-free (your personal allowance), the next portion up to £50,270 is taxed at 20%, and earnings above that are taxed at 40% (or 45% above £125,140). National Insurance is charged separately at 8% between £12,570 and £50,270, then 2% above that.