UK Salary Calculator
Work out your take-home pay after income tax and National Insurance. Enter your gross annual salary to see your salary after tax in the UK for 2026/27 — yearly, monthly and weekly.
Annual Take-Home Pay
How It Works
Your take-home pay is your gross salary minus income tax and National Insurance (NI). The first £12,570 you earn is your Personal Allowance and is tax-free. Everything above it is taxable income, and income tax is charged in bands: 20% (basic rate) on the first £37,700 of taxable income, 40% (higher rate) on taxable income above that up to a total income of £125,140, and 45% (additional rate) on income above £125,140. So the formulas are: taxable income = gross salary − Personal Allowance, and take-home pay = gross salary − income tax − National Insurance.
The Personal Allowance is not fixed for everyone. Once your income passes £100,000, the allowance shrinks by £1 for every £2 you earn above £100,000, and it reaches zero at £125,140 — above that income, your whole salary is taxable. The 20% band still covers the first £37,700 of taxable income even when the allowance is tapered, so the band boundaries move with the reduced allowance. This calculator applies the taper automatically.
National Insurance works differently: it is charged on your gross earnings, not on your income after the Personal Allowance, and it is not tapered. For employees in 2026/27, the rates are 0% on earnings up to £12,570 a year, 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. Your monthly take-home pay is your annual take-home pay divided by 12, and your weekly take-home pay is your annual take-home pay divided by 52. The effective tax rate shown in the results is your total income tax plus National Insurance, divided by your gross salary.
Worked example: a gross salary of £30,000. The Personal Allowance is the full £12,570, so taxable income is £30,000 − £12,570 = £17,430. Income tax is 20% × £17,430 = £3,486.00. National Insurance is 8% × (£30,000 − £12,570) = 8% × £17,430 = £1,394.40. Take-home pay is £30,000 − £3,486.00 − £1,394.40 = £25,119.60 a year, which is £2,093.30 a month and £483.07 a week. The effective tax rate is (£3,486.00 + £1,394.40) ÷ £30,000 = 16.3%.
How to Use This Calculator
Enter your gross annual salary — the figure before tax and National Insurance are taken off, usually the headline number on your job offer or contract — and the calculator works out your take-home pay straight away. Results update as you type, so you can try different salaries in seconds. The headline figure is your annual take-home pay, and the breakdown table shows your Personal Allowance, taxable income, the income tax due in each band, National Insurance in each band, and your take-home pay per month and per week, so you can see exactly where every pound goes.
Use the table to compare offers. A higher salary does not always mean the same jump in take-home pay: once you cross £50,270, the slice above it is taxed at 40%, and above £100,000 your Personal Allowance starts to shrink, which raises the tax on the slice below it too. The calculator shows all of this in the breakdown, so a £5,000 rise is easy to weigh against a job with a lower salary but better benefits.
If your payslip shows a different tax code than 1257L — for example because you have more than one job, or your allowance has been adjusted — your real take-home pay will differ from this estimate. Use this calculator for planning and comparison, and check your payslip or HMRC for your exact figures.
Tips and Practical Advice
Check your tax code first. The calculator assumes the standard Personal Allowance of £12,570 (tax code 1257L). If your payslip shows a different code, your allowance — and your take-home pay — will be different. A wrong tax code is one of the most common reasons a payslip does not match an estimate, and it is worth checking with HMRC if yours looks unfamiliar.
Remember that take-home pay is not the whole picture. Pension contributions, student loan repayments and salary sacrifice all come out of your pay, and none of them are counted here. A salary that looks generous on paper can feel smaller once those deductions apply, so factor them in when you budget.
If your income is near £50,270 or £100,000, small changes have outsized effects. Crossing £50,270 moves the slice above it into the 40% band, and crossing £100,000 starts to shrink your Personal Allowance, so a pay rise in that range can be worth less in take-home terms than you expect. The breakdown table shows this clearly — try your salary just below and just above each threshold to see the difference.
Finally, use the monthly figure for budgeting. Your annual take-home pay divided by 12 is what actually lands in your bank account each month, and it is the number to use when you work out rent, bills and savings.
Frequently Asked Questions
How much tax will I pay on a £30,000 salary in the UK?
On a £30,000 salary in 2026/27 you pay £3,486.00 in income tax and £1,394.40 in National Insurance, leaving £25,119.60 a year — £2,093.30 a month. Your Personal Allowance of £12,570 is tax-free, so income tax is 20% on the remaining £17,430, and National Insurance is 8% on that same slice.
What happens to my Personal Allowance if I earn over £100,000?
Your Personal Allowance shrinks by £1 for every £2 you earn above £100,000. At £110,000 it is £7,570, and it reaches zero at £125,140, so above that income your whole salary is taxable. This calculator applies the taper automatically.
Does this calculator work for Scotland?
No — Scotland sets its own income tax bands and rates, which differ from the rest of the UK. This calculator uses the rates for England, Wales and Northern Ireland. National Insurance is the same UK-wide, so only the income tax part would differ for Scottish taxpayers.
What is National Insurance and how much do I pay?
National Insurance (NI) is a deduction from earnings that funds state benefits and the State Pension. In 2026/27 employees pay 8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270. It is charged on gross earnings, and unlike income tax it has no Personal Allowance taper.
What does this calculator not include?
Pension contributions, student loan repayments, salary sacrifice, benefits in kind and any other deductions are not included. It also assumes the standard Personal Allowance (tax code 1257L) and Class 1 Category A National Insurance. The result is an estimate for planning, not tax advice — check your payslip or HMRC for your exact figures.
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