Take-home pay calculator 2026/27: what your salary is after tax
Income tax, National Insurance, student loan and pension deducted from any salary, monthly and weekly, for every part of the UK — with a table of every salary from £12,000 to £1 million.
The short answer
Enter a salary and see what lands in your account in 2026/27 — income tax, National Insurance, student loan and pension taken off, for England, Wales, Northern Ireland or Scotland — and, uniquely, what adding rental income on top would cost.
Your take-home pay
Tax code 1257L assumed, no benefits in kind, pension under a net-pay arrangement. Estimate, not advice. Disclaimer.
How the calculator works
Income tax is charged on the salary less the personal allowance of £12,570 (reduced by £1 for every £2 of income over £100,000, and gone at £125,140). England, Wales and Northern Ireland tax the first £37,700 of taxable income at 20%, the next slice to £125,140 at 40% and the rest at 45%; Scotland uses six bands from 19% to 48%. Employee National Insurance is 8% of earnings between £12,570 and £50,270 and 2% above, the same across the UK. Student loan repayments are 9% of earnings over the plan threshold (6% for postgraduate loans). A pension contribution under a net-pay scheme comes off before income tax but not before National Insurance; salary sacrifice reduces both.
Every salary, 2026/27
| Salary | Income tax | NI | Take-home | Monthly |
|---|---|---|---|---|
| £12,000 | £0 | £0 | £12,000 | £1,000 |
| £13,000 | £86 | £34 | £12,880 | £1,073 |
| £14,000 | £286 | £114 | £13,600 | £1,133 |
| £15,000 | £486 | £194 | £14,320 | £1,193 |
| £16,000 | £686 | £274 | £15,040 | £1,253 |
| £17,000 | £886 | £354 | £15,760 | £1,313 |
| £18,000 | £1,086 | £434 | £16,480 | £1,373 |
| £19,000 | £1,286 | £514 | £17,200 | £1,433 |
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £21,000 | £1,686 | £674 | £18,640 | £1,553 |
| £22,000 | £1,886 | £754 | £19,360 | £1,613 |
| £23,000 | £2,086 | £834 | £20,080 | £1,673 |
| £24,000 | £2,286 | £914 | £20,800 | £1,733 |
| £25,000 | £2,486 | £994 | £21,520 | £1,793 |
| £26,000 | £2,686 | £1,074 | £22,240 | £1,853 |
| £27,000 | £2,886 | £1,154 | £22,960 | £1,913 |
| £28,000 | £3,086 | £1,234 | £23,680 | £1,973 |
| £29,000 | £3,286 | £1,314 | £24,400 | £2,033 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £31,000 | £3,686 | £1,474 | £25,840 | £2,153 |
| £32,000 | £3,886 | £1,554 | £26,560 | £2,213 |
| £33,000 | £4,086 | £1,634 | £27,280 | £2,273 |
| £34,000 | £4,286 | £1,714 | £28,000 | £2,333 |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 |
| £36,000 | £4,686 | £1,874 | £29,440 | £2,453 |
| £37,000 | £4,886 | £1,954 | £30,160 | £2,513 |
| £38,000 | £5,086 | £2,034 | £30,880 | £2,573 |
| £39,000 | £5,286 | £2,114 | £31,600 | £2,633 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £41,000 | £5,686 | £2,274 | £33,040 | £2,753 |
| £42,000 | £5,886 | £2,354 | £33,760 | £2,813 |
| £43,000 | £6,086 | £2,434 | £34,480 | £2,873 |
| £44,000 | £6,286 | £2,514 | £35,200 | £2,933 |
| £45,000 | £6,486 | £2,594 | £35,920 | £2,993 |
| £46,000 | £6,686 | £2,674 | £36,640 | £3,053 |
| £47,000 | £6,886 | £2,754 | £37,360 | £3,113 |
| £48,000 | £7,086 | £2,834 | £38,080 | £3,173 |
| £49,000 | £7,286 | £2,914 | £38,800 | £3,233 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £51,000 | £7,832 | £3,031 | £40,137 | £3,345 |
| £52,000 | £8,232 | £3,051 | £40,717 | £3,393 |
| £53,000 | £8,632 | £3,071 | £41,297 | £3,441 |
| £54,000 | £9,032 | £3,091 | £41,877 | £3,490 |
| £55,000 | £9,432 | £3,111 | £42,457 | £3,538 |
| £56,000 | £9,832 | £3,131 | £43,037 | £3,586 |
| £57,000 | £10,232 | £3,151 | £43,617 | £3,635 |
| £58,000 | £10,632 | £3,171 | £44,197 | £3,683 |
| £59,000 | £11,032 | £3,191 | £44,777 | £3,731 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £61,000 | £11,832 | £3,231 | £45,937 | £3,828 |
| £62,000 | £12,232 | £3,251 | £46,517 | £3,876 |
| £63,000 | £12,632 | £3,271 | £47,097 | £3,925 |
| £64,000 | £13,032 | £3,291 | £47,677 | £3,973 |
| £65,000 | £13,432 | £3,311 | £48,257 | £4,021 |
| £66,000 | £13,832 | £3,331 | £48,837 | £4,070 |
| £67,000 | £14,232 | £3,351 | £49,417 | £4,118 |
| £68,000 | £14,632 | £3,371 | £49,997 | £4,166 |
| £69,000 | £15,032 | £3,391 | £50,577 | £4,215 |
| £70,000 | £15,432 | £3,411 | £51,157 | £4,263 |
| £71,000 | £15,832 | £3,431 | £51,737 | £4,311 |
| £72,000 | £16,232 | £3,451 | £52,317 | £4,360 |
| £73,000 | £16,632 | £3,471 | £52,897 | £4,408 |
| £74,000 | £17,032 | £3,491 | £53,477 | £4,456 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,505 |
| £76,000 | £17,832 | £3,531 | £54,637 | £4,553 |
| £77,000 | £18,232 | £3,551 | £55,217 | £4,601 |
| £78,000 | £18,632 | £3,571 | £55,797 | £4,650 |
| £79,000 | £19,032 | £3,591 | £56,377 | £4,698 |
| £80,000 | £19,432 | £3,611 | £56,957 | £4,746 |
| £81,000 | £19,832 | £3,631 | £57,537 | £4,795 |
| £82,000 | £20,232 | £3,651 | £58,117 | £4,843 |
| £83,000 | £20,632 | £3,671 | £58,697 | £4,891 |
| £84,000 | £21,032 | £3,691 | £59,277 | £4,940 |
| £85,000 | £21,432 | £3,711 | £59,857 | £4,988 |
| £86,000 | £21,832 | £3,731 | £60,437 | £5,036 |
| £87,000 | £22,232 | £3,751 | £61,017 | £5,085 |
| £88,000 | £22,632 | £3,771 | £61,597 | £5,133 |
| £89,000 | £23,032 | £3,791 | £62,177 | £5,181 |
| £90,000 | £23,432 | £3,811 | £62,757 | £5,230 |
| £91,000 | £23,832 | £3,831 | £63,337 | £5,278 |
| £92,000 | £24,232 | £3,851 | £63,917 | £5,326 |
| £93,000 | £24,632 | £3,871 | £64,497 | £5,375 |
| £94,000 | £25,032 | £3,891 | £65,077 | £5,423 |
| £95,000 | £25,432 | £3,911 | £65,657 | £5,471 |
| £96,000 | £25,832 | £3,931 | £66,237 | £5,520 |
| £97,000 | £26,232 | £3,951 | £66,817 | £5,568 |
| £98,000 | £26,632 | £3,971 | £67,397 | £5,616 |
| £99,000 | £27,032 | £3,991 | £67,977 | £5,665 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
| £105,000 | £30,432 | £4,111 | £70,457 | £5,871 |
| £110,000 | £33,432 | £4,211 | £72,357 | £6,030 |
| £115,000 | £36,432 | £4,311 | £74,257 | £6,188 |
| £120,000 | £39,432 | £4,411 | £76,157 | £6,346 |
| £125,000 | £42,432 | £4,511 | £78,057 | £6,505 |
| £130,000 | £44,703 | £4,611 | £80,686 | £6,724 |
| £135,000 | £46,953 | £4,711 | £83,336 | £6,945 |
| £140,000 | £49,203 | £4,811 | £85,986 | £7,166 |
| £145,000 | £51,453 | £4,911 | £88,636 | £7,386 |
| £150,000 | £53,703 | £5,011 | £91,286 | £7,607 |
| £155,000 | £55,953 | £5,111 | £93,936 | £7,828 |
| £160,000 | £58,203 | £5,211 | £96,586 | £8,049 |
| £165,000 | £60,453 | £5,311 | £99,236 | £8,270 |
| £170,000 | £62,703 | £5,411 | £101,886 | £8,491 |
| £175,000 | £64,953 | £5,511 | £104,536 | £8,711 |
| £180,000 | £67,203 | £5,611 | £107,186 | £8,932 |
| £185,000 | £69,453 | £5,711 | £109,836 | £9,153 |
| £190,000 | £71,703 | £5,811 | £112,486 | £9,374 |
| £195,000 | £73,953 | £5,911 | £115,136 | £9,595 |
| £200,000 | £76,203 | £6,011 | £117,786 | £9,816 |
| £250,000 | £98,703 | £7,011 | £144,286 | £12,024 |
| £300,000 | £121,203 | £8,011 | £170,786 | £14,232 |
| £400,000 | £166,203 | £10,011 | £223,786 | £18,649 |
| £500,000 | £211,203 | £12,011 | £276,786 | £23,066 |
| £750,000 | £323,703 | £17,011 | £409,286 | £34,107 |
| £1,000,000 | £436,203 | £22,011 | £541,786 | £45,149 |
Salary plus rent
Most landlords have a salary too, and the rent sits on top of it in the tax computation. £12,000 of rental profit on a £40,000 salary is taxed at 20%; the same rent on a £50,000 salary is almost all taxed at 40% because the salary already fills the basic-rate band. The rent field above shows the exact figure; the rental income tax calculator adds expenses, mortgage interest and the April 2027 property rates.
Sources
The official figures every number on this page is computed from; the site is rebuilt whenever they change.
- HMRC — Rates and thresholds for employers 2026 to 2027 — personal allowance, PAYE bands (England, Wales, Scotland), Class 1 National Insurance thresholds and rates, student loan thresholds; read 12 September 2026
- GOV.UK — Income Tax rates and Personal Allowances — allowance taper above £100,000
- GOV.UK — Repaying your student loan: how much you repay — plan thresholds and 9% / 6% rates
Quick answers
Close, on a standard 1257L tax code with no benefits in kind. Payroll applies the allowance and bands in twelfths each month, so a bonus month or a mid-year start will differ.
Income tax rates are devolved to the Scottish Parliament; National Insurance is not, so the 8% and 2% rates apply UK-wide.
Only with salary sacrifice. A net-pay or relief-at-source contribution reduces income tax but not NI; the calculator assumes net pay.
Above £100,000 the personal allowance shrinks by £1 for every £2, so between £100,000 and £125,140 each extra £100 loses £60 to income tax plus NI.
No. The personal allowance and every threshold are frozen and the NI rates are unchanged, so take-home on the same salary is identical to 2025/26.