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.
Rates verified How we check rates
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, and applies any pension salary sacrifice entered above before calculating tax. Does not account for Gift Aid, student loan repayments, Marriage Allowance, or other reliefs. For precise advice consult a tax professional or HMRC.
Take-home after Income Tax and National Insurance on England, Wales and Northern Ireland rates, worked out with the same engine as the calculator above. Tap a salary for its full band-by-band breakdown.
| Gross salary | Income Tax | National Insurance | Net per month | Effective rate |
|---|---|---|---|---|
| £25,000 | £2,486 | £994 | £1,793 | 13.9% |
| £30,000 | £3,486 | £1,394 | £2,093 | 16.3% |
| £40,000 | £5,486 | £2,194 | £2,693 | 19.2% |
| £50,000 | £7,486 | £2,994 | £3,293 | 21.0% |
| £60,000 | £11,432 | £3,211 | £3,780 | 24.4% |
| £80,000 | £19,432 | £3,611 | £4,746 | 28.8% |
| £100,000 | £27,432 | £4,011 | £5,713 | 31.4% |
| £125,000 | £42,432 | £4,511 | £6,505 | 37.6% |
| £150,000 | £53,703 | £5,011 | £7,607 | 39.1% |
The first £12,570 you earn is your Personal Allowance and isn't taxed. Income Tax is then 20% up to £50,270, 40% up to £125,140 and 45% above that. National Insurance is separate: 8% on earnings between £12,570 and £50,270, and 2% on everything above.
Above £100,000 the Personal Allowance shrinks by £1 for every £2 you earn, and it's gone by £125,140. Losing the allowance while paying 40% on the same income makes the effective rate in that range 60%, or 62% with National Insurance, which is why a pension contribution that brings your income back under £100,000 saves so much.
On your payslip, your employer spreads all of this across the year through PAYE and your tax code, 1257L for most people. Scotland has its own Income Tax bands, so use the Scottish calculator if you live there.
Annual update alert
These numbers change every April
HMRC confirms new Income Tax bands and National Insurance thresholds each Spring Budget. We update this calculator the same day. Get an email so you're not working from last year's rates.
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On £40,000 you take home about £32,320 a year, £2,693 a month, after £5,486 of Income Tax and £2,194 of National Insurance in 2026/27. The whole salary above the £12,570 Personal Allowance sits in the 20% basic rate band.
Your employer works out Income Tax and National Insurance every pay period through PAYE, using your tax code. Most people are on 1257L in 2026/27, which spreads the £12,570 Personal Allowance across the year, £1,047.50 a month. National Insurance is worked out on each period's pay on its own, so a one-off bonus month can look different from the annual figures here.
On a gross salary of £60,000, your 2026/27 take-home is about £45,357 a year (£3,780 a month) after £11,432 of Income Tax and £3,211 of National Insurance, on England/Wales rates with the standard Personal Allowance.
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.
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.
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.
Yes. Scotland has its own Income Tax rates and bands (6 bands, 19% to 48%) set by the Scottish Government, which differ meaningfully from the England, Wales, and Northern Ireland rates shown here. This calculator applies England/Wales/Northern Ireland rates only. For Scottish take-home pay including a side-by-side comparison, use our Scottish Income Tax calculator at /calculators/scotland-take-home-calculator.
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.
UK specialist calculators
This PAYE calculator covers standard employment. For contracting and student loan situations, we have dedicated tools.
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