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UK take-home pay calculator 2026/27
Free UK take-home pay calculator for 2026/27: Income Tax (including Scotland), National Insurance, pension and student loans, per year, month and week.
2026/27 rates and thresholds used
- Personal Allowance: £12,570, reduced by £1 for every £2 of income over £100,000.
- England, Wales and Northern Ireland: 20% on income up to £37,700 after allowances, 40% up to £125,140 and 45% above that.
- Scotland: 19% up to £3,967, 20% up to £16,956, 21% up to £31,092, 42% up to £62,430, 45% up to £125,140 and 48% above that (income after allowances).
- National Insurance for employees (category A): 8% of pay between £12,570 and £50,270 a year, and 2% above that.
- Student loans: 9% of pay over £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) or £25,000 (Plan 5). Postgraduate Loan: 6% of pay over £21,000.
Figures from GOV.UK, checked November 2026: Income Tax rates and allowances and Rates and thresholds for employers 2026 to 2027.
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How to use it
- Type your salary before tax and choose whether that's a year, a month or a week.
- Choose Scotland if you pay Scottish Income Tax.
- Add your pension percentage and student loan plan if you have them, then press Calculate.
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Frequently asked questions
How much tax do I pay on £30,000 in 2026/27?
In England, Wales or Northern Ireland, with no pension or student loan: £3,486 Income Tax and £1,394.40 National Insurance, leaving £25,119.60 a year (about £2,093 a month).
What is the Personal Allowance for 2026/27?
£12,570. It goes down by £1 for every £2 of income over £100,000, so it's gone completely at £125,140.
Is Scottish Income Tax different?
Yes. Scotland has six bands, from 19% to 48%. National Insurance and student loan repayments are the same across the UK.
Does salary sacrifice save National Insurance?
Yes. With salary sacrifice your pay is reduced before tax and National Insurance, so you pay less of both. With relief at source you pay in from your take-home pay and your provider claims basic-rate tax relief back; your National Insurance stays the same.