UK take-home pay calculator for 2026/27

What's my take-home pay?

After income tax, National Insurance, student loan and pension, with every deduction shown.

£

Take-home pay, England, Wales and NI, 2026/27

£2,093.30a month

£25,119.60 a year, £483.07 a week, £12.88 an hour

Where your £30,000 goesA month
  • Take-home£2,093.3084%
  • Income tax£290.5012%
  • National Insurance£116.205%

    Checked against GOV.UK 2026/27 rates on 20 October 2026. How we calculate

    Where you pay tax
    Student loan

    Not sure which plan? See who is on each plan.

    More options

    Leave blank for the standard allowance.

    Estimated payslipTax code 1257L, NI letter A, 2026/27

    Payments

    Salary£30,000 a year before deductions£2,500.00

    Deductions

    Income tax20% of £17,430£290.50
    National Insurance8% of pay from £12,570 to £50,270£116.20
    Total deductions£406.70
    Take-home paya month£2,093.30

    Checked 20 October 2026 against GOV.UK, Rates and thresholds for employers 2026 to 2027, and the Scottish Rate Resolution 2026-27. How we check.

    Does not model benefits in kind, two jobs or directors' National Insurance. Monthly figures are the yearly amounts divided by 12. Payslips can differ by a few pounds a year.

    These figures are estimates based on the information you entered and the 2026/27 rates and thresholds published by HMRC (and, for Scottish taxpayers, the Scottish Parliament). They are general information, not tax, financial or legal advice. Your actual take-home pay can differ, for example because of your tax code, pension arrangements, benefits, student loan plan or payroll timing. Check your payslip, or ask your employer or HMRC, before relying on these figures.

    Income tax by band

    Share of pay taken in deductions16.3%
    Of the next £1 you earn, you keep72p
    Cost to your employer£33,750.00

    Salary after tax

    Take-home pay for common UK salaries in 2026/27, England, Wales and Northern Ireland. Each page also shows Scotland.

    All salaries from £10,000 to £500,000

    Hourly pay after tax

    All hourly rates

    A woman checking a payslip and laptop at a kitchen table in the evening
    Illustration

    Your payslip, line by line

    We work out each deduction in the order HMRC does: salary sacrifice first, then pension, the Personal Allowance, tax bands, National Insurance and student loans. You can see every step, so you can check it against your own payslip.

    How we calculate · Why your payslip may differ

    Tools for specific questions

    2026/27 rates at a glance

    ItemRateApplies to
    Personal Allowance£12,570Reduced by £1 for every £2 of adjusted net income over £100,000
    Basic rate (England, Wales, NI)20%£12,571 to £50,270
    Higher rate40%£50,271 to £125,140
    Additional rate45%Over £125,140
    Employee National Insurance8% / 2%8% from £12,570 to £50,270, 2% above
    Scottish rates19% to 48%Six bands; see Scottish income tax
    Student loans9% (6% Postgraduate)Plan 1 £26,900 · Plan 2 £29,385 · Plan 4 £33,795 · Plan 5 £25,000 · PG £21,000

    All 2026/27 rates and thresholds · Scottish income tax 2026/27