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Take-Home Pay Calculator (2026/27)
Enter your salary and see your real take-home pay after income tax and National Insurance — yearly, monthly and weekly. Free, instant, no sign-up.
Estimate for 2026/27 England/Wales/NI. Informational only, not tax advice.
Quick answer
For 2026/27, UK employees pay 20% income tax on earnings between £12,570 and £50,270 (40% to £125,140, 45% above) plus 8% National Insurance between £12,570 and £50,270 (2% above). On a £30,000 salary you take home about £25,120 a year — roughly £2,093 a month.
Questions
How much of my salary do I actually take home?+
For 2026/27, you pay 20% income tax on earnings between £12,570 and £50,270 (40% to £125,140, 45% above) plus 8% National Insurance between £12,570 and £50,270 (2% above). On £30,000 you take home about £25,120 a year (~£2,093/month).
Does this include student loan or pension?+
No — this calculator shows income tax and National Insurance only, assuming the standard 1257L tax code. Student loan repayments and pension contributions would reduce your take-home further.
How much tax do I pay on £40,000?+
On £40,000 you pay 20% income tax on the £27,430 above the £12,570 allowance (£5,486) plus 8% NI on the same band (£2,194), taking home roughly £32,320 a year.
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