UK Salary Calculator 2026/27 – Take-Home Pay
Estimate annual, monthly and weekly take-home pay after Income Tax and employee National Insurance. The UK calculation uses the standard 2026/27 thresholds for England, Wales and Northern Ireland. Select United States in the calculator for a separate 2026 federal estimate.
Salary After Tax Calculator
This calculator gives an estimate only. Actual take-home pay may vary based on tax code, state taxes, pension, deductions, benefits, filing status, and other factors.
What the UK estimate includes
- Standard Personal Allowance of £12,570, tapered by £1 for every £2 of adjusted net income above £100,000.
- England, Wales and Northern Ireland Income Tax bands: 20%, 40% and 45%.
- Employee Class 1 National Insurance at 8% between £12,570 and £50,270, then 2% above £50,270.
Not included: Scottish tax bands, pension deductions, student loans, benefits in kind, tax-code adjustments, bonuses treated separately, dividends, savings income or other personal circumstances. Results are estimates, not tax advice.
UK take-home pay examples for 2026/27
These worked examples assume a standard Personal Allowance, employment income only, no pension or student loan deductions, and employee National Insurance category A.
| Gross salary | Income Tax | Employee NI | Estimated annual take-home | Estimated monthly take-home |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
How the UK calculation works
For a £50,000 salary, taxable income is £50,000 − £12,570 = £37,430. Income Tax is 20% of £37,430, or £7,486. Employee National Insurance is 8% of £37,430, or £2,994. Estimated take-home pay is therefore £39,520 a year, or about £3,293 a month.
Above £100,000, the Personal Allowance begins to reduce. For a closer look at that taper, use the UK £100k Tax Trap Calculator.
United States option
The United States selection is a simplified 2026 estimate for a single filer. It uses the $16,100 standard deduction, 2026 federal income-tax brackets, Social Security at 6.2% up to the $184,500 wage base, Medicare at 1.45%, and the 0.9% Additional Medicare Tax above $200,000. It does not include state or local tax, credits, itemized deductions, pre-tax benefits, self-employment tax or another filing status.
Official sources and review notes
- GOV.UK: Income Tax rates and Personal Allowances
- GOV.UK: employer rates and thresholds for 2026/27
- IRS Publication 505 (2026)
- Social Security Administration: 2026 changes
Last reviewed: 16 August 2026. Calculator logic and the worked examples were checked against the official thresholds above. See our editorial policy and methodology.
Frequently asked questions
Does this calculate Scottish Income Tax?
No. The UK option currently uses the bands for England, Wales and Northern Ireland. Scottish taxpayers should use an official Scottish-tax calculation.
Why can my payslip be different?
Your tax code, pension, student loan, benefits, payroll timing and other income can all change the result. The calculator is a planning estimate, not a replacement for your payslip or HMRC.