Salary after tax: UK take-home pay table for 2026/27
Find your salary below to see what you take home each year, month and week after Income Tax and National Insurance. Figures are for the 2026/27 tax year with a standard tax code and no pension or student loan.
How much you take home at each salary.
| Salary | Tax + NI a year | Take-home a year | A month | A week | A month in Scotland |
|---|---|---|---|---|---|
| £15,000 | £680 | £14,320 | £1,193 | £275 | £1,195 |
| £20,000 | £2,080 | £17,920 | £1,493 | £345 | £1,497 |
| £25,000 | £3,480 | £21,520 | £1,793 | £414 | £1,797 |
| £30,000 | £4,880 | £25,120 | £2,093 | £483 | £2,096 |
| £35,000 | £6,280 | £28,720 | £2,393 | £552 | £2,392 |
| £40,000 | £7,680 | £32,320 | £2,693 | £622 | £2,688 |
| £45,000 | £9,080 | £35,920 | £2,993 | £691 | £2,960 |
| £50,000 | £10,480 | £39,520 | £3,293 | £760 | £3,169 |
| £55,000 | £12,543 | £42,457 | £3,538 | £816 | £3,401 |
| £60,000 | £14,643 | £45,357 | £3,780 | £872 | £3,634 |
| £70,000 | £18,843 | £51,157 | £4,263 | £984 | £4,101 |
| £80,000 | £23,043 | £56,957 | £4,746 | £1,095 | £4,555 |
| £90,000 | £27,243 | £62,757 | £5,230 | £1,207 | £4,996 |
| £100,000 | £31,443 | £68,557 | £5,713 | £1,318 | £5,438 |
| £110,000 | £37,643 | £72,357 | £6,030 | £1,391 | £5,692 |
| £125,000 | £46,943 | £78,057 | £6,505 | £1,501 | £6,074 |
| £150,000 | £58,714 | £91,286 | £7,607 | £1,756 | £7,113 |
England, Wales and Northern Ireland unless stated. Assumes tax code 1257L, National Insurance category A, and no pension, student loan or benefits in kind. Click a highlighted salary for a full breakdown.
Add your pension, student loan and region in the take-home pay calculator.
2026/27 Income Tax and National Insurance rates.
Income Tax (England, Wales and Northern Ireland)
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
The Personal Allowance shrinks by £1 for every £2 of income over £100,000, so it is gone completely at £125,140.
Income Tax in Scotland
| Band | Income | Rate |
|---|---|---|
| Starter | £12,571 to £16,537 | 19% |
| Basic | £16,538 to £29,526 | 20% |
| Intermediate | £29,527 to £43,662 | 21% |
| Higher | £43,663 to £75,000 | 42% |
| Advanced | £75,001 to £125,140 | 45% |
| Top | Over £125,140 | 48% |
Employee National Insurance (category A)
| Earnings | Rate |
|---|---|
| Up to £12,570 a year | 0% |
| £12,570 to £50,270 | 8% |
| Over £50,270 | 2% |
How take-home pay is worked out.
- Take off the tax-free Personal Allowance (£12,570 for most people).
- Tax the rest in slices: 20% on the first £37,700 of taxable income, then 40%, then 45%. Only the slice in each band is taxed at that rate.
- Work out National Insurance separately: 8% between £12,570 and £50,270, then 2% above.
- Take off any pension contribution and student loan repayment.
- What is left is your take-home pay.
Salary after tax FAQs
Why is my take-home pay lower than this table?
The table has no pension or student loan. A 5% workplace pension and a student loan can each reduce monthly pay by £100 or more. Your tax code, benefits in kind or other payroll deductions can also make a difference.
Does a pay rise ever reduce take-home pay?
No. Tax is charged in bands, so moving into a higher band only affects the money above the threshold. Every pay rise increases take-home pay, although between £100,000 and £125,140 you keep only about 38p of each extra pound.
Is take-home pay different in Scotland?
Yes. Scotland has six Income Tax bands. People earning under about £30,000 pay slightly less than elsewhere in the UK, and people earning more pay more. National Insurance is the same across the UK.
How do I work out my hourly rate?
Divide your annual salary by the number of hours you work in a year. For a 37.5-hour week that is 1,950 hours, so £30,000 is about £15.38 an hour before tax.
Detailed guides: £30k after tax · £35k after tax · £40k after tax · £50k after tax · £60k after tax · £100k after tax · Student loan repayments
Sources: GOV.UK Income Tax rates · Scottish Income Tax · GOV.UK National Insurance. Estimates for planning only, not tax advice.