What will you actually take home? Enter your salary and the calculator works out Income Tax, employee National Insurance, student loan repayments and a salary-sacrifice pension using the official HMRC rates for the 2026 to 2027 tax year (6 April 2026 to 5 April 2027). It covers England, Wales and Northern Ireland, and Scotland separately.
On a £30,000 salary in England in 2026/27 you pay £3,486.00 Income Tax and £1,394.40 National Insurance, so take-home pay is £25,119.60 a year, or about £2,093.30 a month (standard 1257L tax code, no pension or student loan).
Enter your numbers and press Calculate.
For information only, not tax or financial advice. Assumes a standard 1257L tax code, one job and a full tax year; your payslip can differ. Rates: HMRC, 2026 to 2027.
How to use the UK salary after tax calculator
- Type your gross pay (before any deductions) and choose whether it is per year, month, week or hour. For hourly pay, add your hours per week.
- Choose where you live. Scotland has its own Income Tax bands; England, Wales and Northern Ireland share one set.
- Optional: add a salary-sacrifice pension percentage and your student loan plan.
- Press Calculate to see take-home pay per year, month and week, with every deduction listed.
The formula
The figures come straight from HMRC’s published rates for 2026 to 2027, and the calculator applies them to the whole year at once. It does not guess at your tax code or other income, so the result is what someone on a standard 1257L code with one job would expect over a full year.
Worked example
Take a £30,000 salary in England with no pension and no student loan. The first £12,570 is the Personal Allowance and is tax-free. The remaining £17,430 falls in the 20% basic-rate band, so Income Tax is £3,486.00. National Insurance is 8% of the same £17,430 (pay between £12,570 and £50,270), which is £1,394.40. Take-home pay is £30,000 − £3,486.00 − £1,394.40 = £25,119.60 a year, or £2,093.30 a month. Choose Scotland and the tax becomes £3,451.07, because the first slice above the allowance is taxed at the 19% starter rate.
UK Income Tax bands for 2026/27
These are the bands for someone with the standard £12,570 Personal Allowance. The calculator applies them to taxable income, which is how payroll works when the allowance is reduced.
| England, Wales, NI | 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% |
| Scotland | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 to £16,537 | 19% |
| Basic rate | £16,538 to £29,526 | 20% |
| Intermediate rate | £29,527 to £43,662 | 21% |
| Higher rate | £43,663 to £75,000 | 42% |
| Advanced rate | £75,001 to £125,140 | 45% |
| Top rate | Over £125,140 | 48% |
The £100,000 trap
Above £100,000 the Personal Allowance shrinks by £1 for every £2 of extra income, and it is gone completely at £125,140. Over that stretch each extra £1 of pay costs 40p in higher-rate tax plus another 20p because £0.50 of allowance disappears. Add 2% National Insurance and the effective marginal rate is 62% in England. That is why some people in this range pay more into a pension: a salary-sacrifice contribution reduces the income that is measured against £100,000. Try £110,000 with and without a 10% pension to see the effect.
National Insurance and student loans
Employees pay Class 1 National Insurance at 8% on earnings between the primary threshold (£12,570 a year) and the upper earnings limit (£50,270), and 2% above that. Real payroll works this out each pay period, so a bonus month can look different, but over a steady year the totals match. Student loan repayments are 9% of income over your plan threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5. A Postgraduate Loan takes 6% of income over £21,000, on top of any other plan.
What this calculator leaves out
It does not handle non-standard tax codes, company cars and other benefits, the High Income Child Benefit Charge, Marriage Allowance, Blind Person’s Allowance, or self-employed profits (which pay Class 4 NI instead). A pension paid from take-home pay under “relief at source” also works differently from salary sacrifice. If your situation includes any of these, check your personal tax account on GOV.UK. The UK Budget on 28 October 2026 may change some thresholds for the 2027/28 tax year; the 2026/27 rates used here stay in force until 5 April 2027.
FAQ
How much tax do I pay on £30,000 in the UK?
In England, Wales or Northern Ireland in 2026/27 you pay £3,486.00 Income Tax and £1,394.40 National Insurance, leaving £25,119.60 a year (about £2,093 a month), assuming a 1257L tax code and no pension or student loan.
What is the Personal Allowance for 2026/27?
£12,570. It falls by £1 for every £2 of adjusted net income over £100,000 and is zero from £125,140.
What are the National Insurance rates for employees in 2026/27?
8% on earnings between £12,570 and £50,270 a year, and 2% on earnings above £50,270.
Is Scottish Income Tax different?
Yes. Scotland has six bands from 19% to 48% for 2026/27. National Insurance and student loan rules are the same across the UK.
Does the calculator store my salary?
No. Everything is worked out in your browser and nothing is sent or saved.
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