UK Salary Calculator
Find out your exact take-home pay in the UK. Enter any gross salary and see your Income Tax and National Insurance deductions calculated band by band, using 2026/27 HMRC rates.
Enter your gross salary
2026/27 tax year
Personal Allowance: £12,570. Basic rate (20%) up to £50,270. Higher rate (40%) up to £125,140. Additional rate (45%) above.
Common salaries:
Annual take-home pay
£45,357
Per month
£3,780
Per week
£872
Effective tax rate
24.4%
How your £60,000 is split
£45,357
75.6%
£11,432
19.1%
£3,211
5.4%
| Gross salary | £60,000 |
| Personal Allowance (tax-free) | £12,570 |
| Income Tax | -£11,432 |
| National Insurance (Class 1) | -£3,211 |
| Total deductions | -£14,643 |
| Net take-home (annual) | £45,357 |
Calculations use 2026/27 UK tax rates. Assumes England/Wales/Northern Ireland Income Tax rates (Scottish rates differ). Includes standard Personal Allowance tapering above £100,000. Does not account for pension contributions, Gift Aid, student loan repayments, Marriage Allowance, or other reliefs. For precise advice consult a tax professional or HMRC.
Frequently asked questions
How much is £60,000 take-home in the UK?
On a gross salary of £60,000, your estimated 2026/27 take-home is approximately £43,200 per year (around £3,600/month) after Income Tax and National Insurance, assuming standard Personal Allowance and England/Wales rates.
What are the UK income tax rates for 2026/27?
For 2026/27, the Personal Allowance is £12,570 (tax-free). Income from £12,571–£50,270 is taxed at 20% (basic rate). Income from £50,271–£125,140 is taxed at 40% (higher rate). Income above £125,140 is taxed at 45% (additional rate). The Personal Allowance tapers by £1 for every £2 earned above £100,000.
How is National Insurance calculated in the UK?
Employee Class 1 National Insurance for 2026/27: 8% on earnings between £12,570 and £50,270 (Primary Threshold to Upper Earnings Limit), and 2% on earnings above £50,270. Earnings below £12,570 per year are exempt.
Does the Personal Allowance change at higher incomes?
Yes. The Personal Allowance of £12,570 tapers by £1 for every £2 you earn above £100,000. It is fully eliminated at £125,140. This creates an effective 60% marginal tax rate on income between £100,000 and £125,140.
Do Scottish rates differ?
Yes. Scotland has its own Income Tax rates and bands set by the Scottish Government, which differ from the England, Wales, and Northern Ireland rates shown here. This calculator applies England/Wales/Northern Ireland rates only. For Scottish rates, refer to mygov.scot or HMRC.
Is this calculator accurate for 2026/27?
The calculator uses 2026/27 HMRC rates and assumes PAYE employment with standard Personal Allowance and England/Wales Income Tax rates. It does not account for pension contributions, student loan repayments, Gift Aid, Marriage Allowance, or other reliefs. Always verify with HMRC or a tax professional for precise figures.
Explore UK salary benchmarks
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