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?
How accurate is this calculator?
Last reviewed · Calculate My Salary Editorial Team
The calculator applies the full HMRC rates and thresholds for the 2026/27 tax year: the £12,570 Personal Allowance (including the taper above £100,000), the 20%, 40% and 45% income tax bands, all six Scottish bands, Class 1 National Insurance at 8% and 2%, every student loan plan, and pension contributions under salary sacrifice, net pay, and relief at source. Every calculation branch is covered by automated tests, and the worked examples on our pages are checked against the calculator output in those tests.
For a standard PAYE employee with tax code 1257L, the result should match your payslip to within pennies of rounding. See our assumptions and methodology for the exact figures used, and why salary calculators differ if another tool gives you a different number.
What it covers
- England, Wales, Northern Ireland and Scottish tax bands
- 2026/27 and 2025/26 tax years
- Pension contributions, including salary sacrifice
- Student loan plans 1, 2, 4, 5 and Postgraduate, combined
- Bonuses, overtime, taxable benefits and cash allowances
- Custom tax codes, including BR, D0, D1 and K codes
What it does not cover
- Self-employment (Class 2 and Class 4 National Insurance)
- Multiple simultaneous employments in one calculation
- Mid-year tax code changes or prior-year adjustments
If your situation includes these, treat the result as a close estimate and check your HMRC personal tax account for the precise position.
Understand your payslip
Our guides explain every deduction the calculator applies, checked against HMRC guidance for 2026/27.