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UK take-home pay calculator, 2026-27

Type a yearly salary to see what you keep after Income Tax and National Insurance, with student loan repayments if you have them. Rates from GOV.UK for the tax year 6 April 2026 to 5 April 2027, read on 13 November 2026. Nothing you type leaves your device.

Take-home pay at common salaries

SalaryTax and NITake-home a yearA month
£20,000£2,080£17,920£1,493.30
£30,000£4,880£25,120£2,093.30
£40,000£7,680£32,320£2,693.30
£50,000£10,480£39,520£3,293.30
£60,000£14,643£45,357£3,779.78
£80,000£23,043£56,957£4,746.45
£100,000£31,443£68,557£5,713.12

Assumptions

A steady yearly salary from one job in the 2026-27 tax year, standard tax code, National Insurance category A, no pension contribution, no benefits in kind and no other income. Student loan is taken as 9% of earnings above the yearly threshold of the plan (HMRC works it per pay period). Scottish bands are used only where the page says Scotland. Take-home pay on your payslip can differ.

Common questions

How much is £40,000 after tax in the UK?

In the 2026-27 tax year, with no pension or student loan: Income Tax £5,486, National Insurance £2,194, so you keep £32,320 a year, £2,693.30 a month.

What is the Personal Allowance?

The amount of income you do not pay Income Tax on: £12,570 for the standard allowance in 2026-27 (GOV.UK). It reduces by £1 for every £2 of adjusted net income above £100,000 and is nil at £125,140.

What National Insurance does an employee pay?

For category A in 2026-27: nothing up to £12,570 a year, 8% between £12,570 and £50,270 and 2% above (GOV.UK).

Sources

Rates read on 13 November 2026 from GOV.UK and apply to the tax year 6 April 2026 to 5 April 2027; after 5 April 2027 they will be out of date. This site is independent, not connected with HMRC, and gives arithmetic, not tax advice.