1
How much does a Software Engineer take home in the UK?
A Software Engineer earning the median salary of £84K in the UK takes home approximately £59,277 per year (£4,940 per month) after Income Tax and National Insurance, using 2026/27 HMRC rates.
2026/27 UK Tax Rates · Income Tax + NI
Software Engineer Take-Home Pay in UK 2026/27
A Software Engineer earning the median salary of £84K in the UK takes home approximately £59,277/year (£4,940/month) after Income Tax and National Insurance, using 2026/27 rates.
Software Engineer take-home pay across the salary range
Standard Personal Allowance, England/Wales PAYE employee. 2026/27 rates.
Entry (P25)
£66,000
gross/year
Take-home
£48,837
£4,070/month
Total tax
£17,163
26.0% effective rate
Breakdown
Tax: £13,832
NI: £3,331
Median
£84,000
gross/year
Take-home
£59,277
£4,940/month
Total tax
£24,723
29.4% effective rate
Breakdown
Tax: £21,032
NI: £3,691
Senior (P75)
£90,000
gross/year
Take-home
£62,757
£5,230/month
Total tax
£27,243
30.3% effective rate
Breakdown
Tax: £23,432
NI: £3,811
Adjust for your actual salary
The table above uses the Software Engineer median. Enter your own gross salary below for a precise figure.
£
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
£59,277
Per month
£4,940
Per week
£1,140
Effective tax rate
29.4%
How your £84,000 is split
Take-home
£59,277
70.6%
Income Tax
£21,032
25.0%
Nat. Insurance
£3,691
4.4%
| Gross salary | £84,000 |
| Personal Allowance (tax-free) | £12,570 |
| Income Tax | -£21,032 |
| National Insurance (Class 1) | -£3,691 |
| Total deductions | -£24,723 |
| Net take-home (annual) | £59,277 |
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.
Frequently asked questions
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What is the effective tax rate for a Software Engineer in the UK?
On a median Software Engineer salary of £84K, the effective tax rate (Income Tax and NI combined) is 29.4%, leaving £59,277 as take-home pay. This assumes standard Personal Allowance and England/Wales Income Tax rates.
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How much Income Tax does a Software Engineer pay in the UK?
On a £84K salary, a Software Engineer pays approximately £21,032 in Income Tax per year. This uses the 2026/27 Personal Allowance of £12,570, a basic rate of 20% up to £50,270, and 40% above.
4
How much National Insurance does a Software Engineer pay in the UK?
On a £84K salary, employee Class 1 National Insurance amounts to approximately £3,691 per year. The 2026/27 rates are 8% on earnings between £12,570 and £50,270, and 2% above.
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Does the Personal Allowance affect a Software Engineer's tax in the UK?
The standard Personal Allowance for 2026/27 is £12,570, which is tax-free. For salaries above £100,000, the allowance tapers by £1 for every £2 earned, disappearing entirely at £125,140. This does not affect the median salary shown here.
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What does a senior Software Engineer take home in the UK?
A senior Software Engineer earning £90K (P75 of the salary range) takes home approximately £62,757 per year (£5,230 per month) after Income Tax and National Insurance, with an effective tax rate of 30.3%.
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What does a junior Software Engineer take home in the UK?
A junior Software Engineer earning £66K (P25 of the salary range) takes home approximately £48,837 per year (£4,070 per month) after Income Tax and National Insurance, with an effective tax rate of 26.0%.
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