UK Take-Home Pay Table 2026/27
How much of your salary do you actually keep? This table shows UK take-home pay for 2026/27 — Income Tax and National Insurance on gross salaries from £20,000 to £100,000, with annual and monthly take-home figures.
The rates used (2026/27)
| Band | 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% |
| Employee National Insurance | £12,570 to £50,270 | 8% |
| Employee National Insurance | Over £50,270 | 2% |
These bands apply in England, Wales and Northern Ireland for the tax year 6 April 2026 to 5 April 2027. Scotland sets its own Income Tax bands. The Personal Allowance falls by £1 for every £2 of income above £100,000 — at exactly £100,000 the full £12,570 still applies, so no row in this table is affected by the taper.
Take-home pay table
| Gross salary | Income Tax | National Insurance | Take-home (annual) | Take-home (monthly) |
|---|---|---|---|---|
| £20,000 | £1,486.00 | £594.40 | £17,919.60 | £1,493.30 |
| £25,000 | £2,486.00 | £994.40 | £21,519.60 | £1,793.30 |
| £30,000 | £3,486.00 | £1,394.40 | £25,119.60 | £2,093.30 |
| £35,000 | £4,486.00 | £1,794.40 | £28,719.60 | £2,393.30 |
| £40,000 | £5,486.00 | £2,194.40 | £32,319.60 | £2,693.30 |
| £45,000 | £6,486.00 | £2,594.40 | £35,919.60 | £2,993.30 |
| £50,000 | £7,486.00 | £2,994.40 | £39,519.60 | £3,293.30 |
| £55,000 | £9,432.00 | £3,110.60 | £42,457.40 | £3,538.12 |
| £60,000 | £11,432.00 | £3,210.60 | £45,357.40 | £3,779.78 |
| £65,000 | £13,432.00 | £3,310.60 | £48,257.40 | £4,021.45 |
| £70,000 | £15,432.00 | £3,410.60 | £51,157.40 | £4,263.12 |
| £75,000 | £17,432.00 | £3,510.60 | £54,057.40 | £4,504.78 |
| £80,000 | £19,432.00 | £3,610.60 | £56,957.40 | £4,746.45 |
| £85,000 | £21,432.00 | £3,710.60 | £59,857.40 | £4,988.12 |
| £90,000 | £23,432.00 | £3,810.60 | £62,757.40 | £5,229.78 |
| £95,000 | £25,432.00 | £3,910.60 | £65,657.40 | £5,471.45 |
| £100,000 | £27,432.00 | £4,010.60 | £68,557.40 | £5,713.12 |
Worked example
On a £30,000 salary: Income Tax is 20% of the £17,430 above the £12,570 Personal Allowance, which is £3,486. National Insurance is 8% of the same £17,430, which is £1,394.40. Take-home pay is £30,000 − £3,486 − £1,394.40 = £25,119.60 a year (£2,093.30 a month).
Assumptions
This table assumes the standard Personal Allowance of £12,570, no pension contributions, no student loan repayments and no other deductions, and standard employee (Category A) National Insurance. Monthly take-home is the annual figure divided by 12; real payroll uses weekly or monthly thresholds, so your payslip may differ by a few pence. If your salary falls between two rows, or you have pension or student loan deductions, use our UK salary calculator for an exact figure.
Sources: GOV.UK — Income Tax rates and Personal Allowances and GOV.UK — National Insurance. Figures reviewed November 13, 2026.
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