UK take-home pay calculator
Enter your yearly salary to see your take-home pay in the UK for the 2026/27 tax year, with income tax for England, Wales, Northern Ireland or Scotland, National Insurance, student loan repayments and pension contributions, step by step.
- Take-home 79.0%
- Income tax 15.0%
- National Insurance 6.0%
| Item | Year | Month | Week |
|---|---|---|---|
| Gross salary | £50,000.00 | £4,166.67 | £961.54 |
| Income tax | −£7,486.00 | −£623.83 | −£143.96 |
| National Insurance | −£2,994.40 | −£249.53 | −£57.58 |
| Take-home pay | £39,519.60 | £3,293.30 | £759.99 |
How your income tax is calculated
| Pay subject to income tax | £50,000.00 |
|---|---|
| Personal Allowance | −£12,570.00 |
| Taxable income | £37,430.00 |
| Basic rate 20% on £37,430 | £7,486.00 |
| Income tax | £7,486.00 |
How your National Insurance is calculated
| 8% on £37,430 between £12,570 and £50,270 | £2,994.40 |
|---|---|
| 2% on £0 above £50,270 | £0.00 |
| National Insurance | £2,994.40 |
Know the take-home pay you need? Try the net to gross calculator. Benchmarks: the minimum wage and the average salary after tax. Self-employed? Try the sole trader calculator. Budget on 28 October: see what it means for your take-home pay.
Take-home pay for common salaries
Monthly take-home pay in England, Wales or Northern Ireland, 2026/27, no pension or student loan.
- £20,000 after tax£1,493 a month
- £22,000 after tax£1,613 a month
- £25,000 after tax£1,793 a month
- £28,000 after tax£1,973 a month
- £30,000 after tax£2,093 a month
- £32,000 after tax£2,213 a month
- £35,000 after tax£2,393 a month
- £38,000 after tax£2,573 a month
- £40,000 after tax£2,693 a month
- £42,000 after tax£2,813 a month
- £45,000 after tax£2,993 a month
- £50,000 after tax£3,293 a month
- £55,000 after tax£3,538 a month
- £60,000 after tax£3,780 a month
- £65,000 after tax£4,021 a month
- £70,000 after tax£4,263 a month
- £75,000 after tax£4,505 a month
- £80,000 after tax£4,746 a month
- £90,000 after tax£5,230 a month
- £100,000 after tax£5,713 a month
- £110,000 after tax£6,030 a month
- £120,000 after tax£6,346 a month
- £125,000 after tax£6,505 a month
- £150,000 after tax£7,607 a month
How salary tax works in the UK
- Income tax: the first £12,570 is tax-free. In England, Wales and Northern Ireland the next £37,700 is taxed at 20%, income up to £125,140 at 40% and above that at 45%. Scotland has six bands from 19% to 48%. Scotland compared.
- The 60% trap: between £100,000 and £125,140 your Personal Allowance is withdrawn, so each extra pound is effectively taxed at 60%, plus National Insurance. How it works and how to avoid it.
- National Insurance: 8% between £12,570 and £50,270, 2% above.
- Student loans: 9% of pay above your plan's threshold, worked out on each payslip.
- Pensions: workplace pensions take at least 5% from you (including tax relief) and 3% from your employer. How much it saves you in tax depends on whether your scheme uses net pay, relief at source or salary sacrifice.
Moving to the UK on a work visa? Skilled Worker visa salaries after tax. Working as a contractor? Compare an umbrella company with your own limited company in the UK contractor calculator. Working for yourself? Try the self-employed (sole trader) calculator.
What about 2027/28?
The Personal Allowance and the 20% band are frozen by law until April 2031, so most salaries will be taxed the same way in 2027/28. The next UK Budget is on 28 October 2026, and Scotland sets its 2027/28 bands in its own budget, so we will update the calculator when those are published.
Frequently asked questions
How much is £50,000 after tax in the UK?
In England, Wales or Northern Ireland a £50,000 salary leaves £39,520 a year, or £3,293 a month, in 2026/27 after £7,486 income tax and £2,994 National Insurance. In Scotland it leaves £38,024 a year.
What is the tax-free Personal Allowance?
£12,570 a year, frozen until April 2031. It shrinks by £1 for every £2 of income above £100,000 and disappears completely at £125,140.
Why is Scottish income tax different?
Scotland sets its own income tax rates and bands for people whose main home is there, with six bands from 19% to 48%. National Insurance and the Personal Allowance are the same across the UK.
How much National Insurance do employees pay?
8% on earnings between £12,570 and £50,270 a year, and 2% on everything above that. Your employer pays 15% on earnings above £5,000 on top.
When do I start repaying my student loan?
When your pay is above your plan's threshold: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5 in 2026/27. You repay 9% of pay above the threshold, plus 6% above £21,000 for a Postgraduate Loan.
Full list of sources and assumptions: methodology.
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