UK Take-Home Pay Calculator
Work out your pay after Income Tax and National Insurance for the 2026 to 2027 tax year.
Take-home pay a year
£32,319.60
- Take-home pay a month
- £2,693.30
- Take-home pay a week
- £621.53
- Income Tax
- £5,486.00
- National Insurance
- £2,194.40
- Share deducted
- 19.201%
On a gross income of £40,000.00 a year you would pay £5,486.00 Income Tax and £2,194.40 National Insurance, leaving £32,319.60 a year, or about £2,693.30 a month.
Calculation breakdown
| Step | Formula | Result |
|---|---|---|
| Personal Allowance | £12,570 (full allowance) | £12,570.00 |
| Income Tax | 20% of the first £37,700 of (£40,000.00 − £12,570.00), 40% to £125,140, then 45% | £5,486.00 |
| National Insurance | 8% of £40,000.00 between £12,570 and £50,270, plus 2% above £50,270 | £2,194.40 |
| Take-home pay | £40,000.00 − £5,486.00 − £2,194.40 | £32,319.60 |
How it works
Enter your gross salary and how it is paid. The calculator works on the annual figure and shows your pay for the year, month and week.
Worked example
A £50,000 salary in 2026 to 2027:
- Taxable income: 50,000 − 12,570 = £37,430
- Income Tax: 37,430 × 20% = £7,486.00
- National Insurance: 37,430 × 8% = £2,994.40
- Take-home pay: 50,000 − 7,486.00 − 2,994.40 = £39,519.60 a year, or £3,293.30 a month
Rounding
Amounts are calculated to the penny and rounded at the end. Payroll software works month by month and rounds differently, so your payslip can differ by a few pence.
Sources
Frequently asked questions
How is UK take-home pay calculated?
Take your gross pay, subtract Income Tax and employee National Insurance, and what is left is your take-home pay. For 2026 to 2027 the calculator uses the GOV.UK rates for England, Wales and Northern Ireland and assumes the standard tax code, 1257L, with no other deductions.
What are the Income Tax bands for 2026 to 2027?
The Personal Allowance is £12,570 at 0%. After that, GOV.UK lists 20% on income up to £50,270, 40% up to £125,140 and 45% above that. The 20% band covers £37,700 of taxable income once the full allowance is used.
What happens to the Personal Allowance above £100,000?
GOV.UK says the allowance falls by £1 for every £2 of adjusted net income above £100,000, and it reaches nil at £125,140. This makes the effective rate between £100,000 and £125,140 higher than the 40% headline rate.
How much National Insurance do I pay?
As an employee in category A you pay 8% on earnings between £12,570 and £50,270 a year, and 2% above £50,270, according to GOV.UK. Employers also pay National Insurance, but that is not taken from your pay.
Does this work for Scotland?
No. Scotland sets its own Income Tax bands and rates, which are different from the ones used here. National Insurance is the same across the UK, but the Income Tax shown would not match a Scottish payslip.
What is not included?
Workplace pension contributions, student loan repayments, other tax codes, benefits in kind, bonuses taxed separately and salary sacrifice are not included. Your payslip can therefore differ. Enter your salary before any of these deductions.
Results are estimates for information only, not tax advice. They assume tax code 1257L, England, Wales or Northern Ireland, and National Insurance category A.