Work out your take-home pay.
Enter your salary and see your real take-home pay, based on HMRC's confirmed 2026/27 tax bands.
£2,093.30
That's £25,119.60 a year. You keep 83.7% of every pound, after income tax and National Insurance.
Full breakdown
Per £30,000 gross · 2026/27 tax year| Item | Yearly | Monthly | Weekly | % of gross |
|---|---|---|---|---|
| Gross salary | £30,000.00 | £2,500.00 | £576.92 | 100.0% |
| Taxable pay | £30,000.00 | £2,500.00 | £576.92 | 100.0% |
| Income tax (basic, 20%) | −£3,486.00 | −£290.50 | −£67.04 | 11.6% |
| National Insurance | −£1,394.40 | −£116.20 | −£26.82 | 4.6% |
| Take-home pay | £25,119.60 | £2,093.30 | £483.07 | 83.7% |
Where you sit in the tax bands
Rest of UK · personal allowance £12,570Useful next steps
Compare two salaries side by side
See exactly how much more you keep with a £5k pay rise, or how a Scottish job offer stacks up against rUK.
Salary tables for 2026/27
Pre-calculated take-home pay from £15,000 up to £200,000, in £1,000 steps.
How your salary is calculated
Income tax thresholds, NI rates, the Scottish bands and student-loan plans, in plain English.
Common questions
Why does my take-home differ from my payslip?
How is National Insurance calculated in 2026/27?
Does this include the 5% auto-enrolment pension?
Are Scottish tax bands different, and by how much?
How does a student-loan plan affect my pay?
Popular salaries after tax
Choose a gross salary to see monthly, weekly and yearly take-home pay.
Understand your payslip
Our guides explain every deduction the calculator applies, checked against HMRC guidance for 2026/27.
How your take-home pay is estimated
Your take-home pay is estimated following the order HMRC uses for income tax and payroll deductions.
The calculation follows this sequence:
- We start with your gross salary before any deductions.
- Pension contributions are subtracted if you have a pension set up.
- Your personal allowance is subtracted to get your taxable income.
- Income Tax is calculated across the tax bands.
- National Insurance is calculated above the relevant thresholds.
- Student loan repaymentsare deducted if you've selected a plan.
- What's left is your take-home pay.
The rates and thresholds used are for the 2026/27 UK tax year, including Scottish bands where selected. You can switch back to 2025/26 in the calculator's assumption panel if you need to compare against a previous year.
For official technical details on how payroll income tax calculations are defined, see the UK government's Payroll Technical Specification, Income Tax.
If you found a different outcome
If your result doesn't match your payslip, a few things might explain the difference: your pension type (salary sacrifice vs relief at source), a non-standard tax code, multiple jobs, Scottish vs rest-of-UK tax bands, or a mid-year tax code change (more on this in Why Salary Calculators Give Different Results).
Spotted anything that does not look right? Provide us with feedback
Worked-out examples
£30,000 salary
England, no pension, no student loan, tax code 1257L.
£2,093.30/mo
£45,000 salary
England, no pension, no student loan, tax code 1257L.
£2,993.30/mo
Assumptions
With pension and student loan contributions switched off, net monthly pay is calculated assuming a 2026/27 tax year, a tax code of 1257L, and a sole PAYE employment. Full assumptions & methodology
Need a breakdown?
- How UK Salaries Are Calculated — complications of payroll, NI, pension, and all about student loans.
- Why Different Salary Calculators Give Different Results — the causes of discrepancies and how to deal with them.
- Assumptions & Methodology — the rates, thresholds, and calculations used by the calculator.