UK Take-home PayUK take-home pay by salary, 2026-27
What you keep after Income Tax and National Insurance on common salaries, for England, Wales and Northern Ireland, with the monthly figure for Scotland too.
| Salary | Income Tax | National Insurance | Take-home a year | A month | A month in Scotland |
|---|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493.30 | £1,496.61 |
| £22,000 | £1,886 | £754 | £19,360 | £1,613.30 | £1,616.61 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793.30 | £1,796.61 |
| £27,000 | £2,886 | £1,154 | £22,960 | £1,913.30 | £1,916.61 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093.30 | £2,096.21 |
| £32,000 | £3,886 | £1,554 | £26,560 | £2,213.30 | £2,214.54 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393.30 | £2,392.04 |
| £38,000 | £5,086 | £2,034 | £30,880 | £2,573.30 | £2,569.54 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693.30 | £2,687.88 |
| £45,000 | £6,486 | £2,594 | £35,920 | £2,993.30 | £2,960.30 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293.30 | £3,168.63 |
| £55,000 | £9,432 | £3,111 | £42,457 | £3,538.12 | £3,400.61 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,779.78 | £3,633.95 |
| £65,000 | £13,432 | £3,311 | £48,257 | £4,021.45 | £3,867.28 |
| £70,000 | £15,432 | £3,411 | £51,157 | £4,263.12 | £4,100.61 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,504.78 | £4,333.95 |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746.45 | £4,554.78 |
| £90,000 | £23,432 | £3,811 | £62,757 | £5,229.78 | £4,996.45 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713.12 | £5,438.11 |
| £110,000 | £33,432 | £4,211 | £72,357 | £6,029.78 | £5,692.28 |
| £125,000 | £42,432 | £4,511 | £78,057 | £6,504.78 | £6,073.53 |
| £150,000 | £53,703 | £5,011 | £91,286 | £7,607.20 | £7,112.92 |
Reading the table
- The first columns are for England, Wales and Northern Ireland; the last column uses the Scottish bands.
- Between £50,270 and £100,000 a pound of extra salary keeps 58p: 40% tax plus 2% National Insurance.
- Between £100,000 and £125,140 the loss of the Personal Allowance makes the rate on extra pay 62% (see the £100,000 trap).
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.
Sources
- Income Tax rates, Personal Allowance and its reduction above £100,000, for the tax year 6 April 2026 to 5 April 2027: GOV.UK, "Income Tax rates and Personal Allowances" (gov.uk/income-tax-rates), read on 13 November 2026.
- Tax bands for England, Wales, Northern Ireland and Scotland, Class 1 employee National Insurance (category A) and student loan thresholds, 2026 to 2027: GOV.UK, "Rates and thresholds for employers 2026 to 2027" (gov.uk), read on 13 November 2026.
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.