UK Take-Home Salary Calculator

Estimate how much of your salary you could take home after UK Income Tax, National Insurance, pension and student loan deductions, for England, Wales, Scotland and Northern Ireland.

Free
2026/27 tax year
Rules for 6 April 2026 to 5 April 2027
Every rule linked to GOV.UK or HMRC

Runs entirely in your browser — nothing you enter is sent anywhere or stored. Rules last checked against the official sources on 5 October 2026.

Your salary

No sign-up, no email. Your figures stay on this page and disappear when you close it.

Where do you live for Income Tax purposes?

EnglandWalesScotlandNorthern Ireland

England uses the UK rates: 20%, 40% and 45%. Source: GOV.UK

Annual gross salary

Your yearly pay from this job before any deductions.

Tax code

Standard 1257LA different code

The standard code for an employee with the standard £12,570 Personal Allowance. Source: HMRC

Employee pension contribution

Not sure? Your payslip or pension scheme letter says which method your employer uses. How pension tax relief works (GOV.UK)

Student loan

Choose the plan on your payslip or Student Loans Company account. Which plan am I on? (GOV.UK)

I have a Postgraduate Loan (6% above £21,000)

National Insurance category

The letter is printed on your payslip. Most people are category A. Rates by letter (HMRC)

Other things that can change your tax

Do you have more than one job or a pension?

NoYesNot sure

Do you get taxable benefits, such as a company car?

NoYesNot sure

Other deductions after tax, per year (optional)

For example union fees or a season-ticket loan. Taken off after tax with no tax relief.

Estimated take-home pay

£2,693.30 a month

Year £32,319.60Week £621.53

Monthly is the yearly estimate ÷ 12 and weekly is ÷ 52. Real payslips can differ because PAYE, National Insurance and student loans are worked out each pay period and rounded. HMRC pay-period calculator

Of every £1 you earn, you keep 80.8p

Take-home 80.8%
Income Tax 13.7%
National Insurance 5.5%

Where your salary goes

Annual, monthly and weekly breakdown of your estimated deductions and take-home pay
Item	Year	Month	Week
Gross salary	£40,000.00	£3,333.33	£769.23
Income TaxSource: HMRC 2026/27 tax rates	£5,486.00	£457.17	£105.50
Employee National Insurance (A)Source: HMRC 2026/27 NI rates	£2,194.40	£182.87	£42.20
Estimated take-home	£32,319.60	£2,693.30	£621.53

Employer National Insurance and employer pension contributions are not taken from your pay, so they are not in this table.

On your next £100 of salary

£72.00 kept

The rest goes on £20.00 Income Tax, £8.00 National Insurance. Useful for judging a pay rise.

Effective rates

Income Tax as a share of salary: 13.7%

All deductions as a share of salary: 19.2%

These are averages, not your tax rate. The rate on extra pay is shown under “On your next £100 of salary”.

Same salary, four nations

Where you live for tax decides your Income Tax. National Insurance and student loans are the same UK-wide.

Where you live	Income Tax a year	Take-home a month
England (you)	£5,486.00	£2,693.30
Wales	£5,486.00	£2,693.30
Scotland	£5,551.07	£2,687.88
Northern Ireland	£5,486.00	£2,693.30

Scottish rates (GOV.UK)Welsh rates (GOV.UK)

How we calculated your take-home pay

Your gross salary is £40,000.00 and you live in England for tax purposes. Source: HMRC: Rates and thresholds for employers 2026 to 2027 (tax thresholds, rates and codes)
Tax code 1257L. Your Personal Allowance is £12,570.00. Source: GOV.UK: Income Tax rates and Personal Allowances
Taxable income is £27,430.00. Income Tax is worked out band by band using the England, Wales and Northern Ireland 2026/27 rates: £5,486.00. Source: HMRC: Rates and thresholds for employers 2026 to 2027 (tax thresholds, rates and codes)
Employee National Insurance (category A) is worked out separately on £40,000.00: £2,194.40. Source: HMRC: Rates and thresholds 2026 to 2027 (Class 1 NI rates by category letter)
No student loan or Postgraduate Loan selected.
No pension deduction selected.
Your estimated annual take-home is £32,319.60, about £2,693.30 a month or £621.53 a week.

Income Tax breakdown

Band	Rate	Taxable pay in band	Tax
Personal Allowance	0%	£12,570.00	£0.00
Basic rate	20%	£27,430.00	£5,486.00
Income Tax			£5,486.00

Source: HMRC: Rates and thresholds for employers 2026 to 2027 (tax thresholds, rates and codes)

National Insurance breakdown

Earnings	Rate	Amount	NI
Up to £12,570 (primary threshold)	0%	£12,570.00	£0.00
£12,570 to £50,270	8%	£27,430.00	£2,194.40
Above £50,270 (Upper Earnings Limit)	2%	£0.00	£0.00
Employee National Insurance			£2,194.40

Source: HMRC Class 1 National Insurance rates 2026 to 2027

Student and postgraduate loan breakdown

No student loan or Postgraduate Loan selected.

Payroll deducts these each pay period against that period’s threshold and rounds each deduction down to the whole pound, so monthly payslips can differ slightly.

Source: HMRC student loan and postgraduate loan recovery 2026 to 2027

Pension breakdown

No pension contribution selected.

Source: The Pensions Regulator: Earnings thresholds (qualifying earnings)

Every figure this calculator uses, with its source

Rules: 2026/27. Applicable dates: 6 April 2026 to 5 April 2027. Last verified: 5 October 2026.

Standard Personal Allowance: £12,570 a year (tax codes 1257L, S1257L in Scotland, C1257L in Wales)Source: HMRC rates and thresholds 2026 to 2027
Personal Allowance taper: Reduced by £1 for every £2 of adjusted net income over £100,000; £0 from £125,140Source: GOV.UK Income over £100,000
Income Tax: England, Wales and Northern Ireland: 20% on taxable pay up to £37,700; 40% from £37,701 to £125,140; 45% above £125,140Sources: HMRC rates and thresholds 2026 to 2027, Income Tax in Wales
Income Tax: Scotland: 19% up to £3,967; 20% £3,968–£16,956; 21% £16,957–£31,092; 42% £31,093–£62,430; 45% £62,431–£125,140; 48% above £125,140 (taxable pay above the allowance)Sources: HMRC rates and thresholds 2026 to 2027, Income Tax in Scotland
Flat-rate and special tax codes: BR 20%, D0 40%, D1 45%; Scotland SBR 20%, SD0 21%, SD1 42%, SD2 45%, SD3 48%; 0T no allowance; NT no taxSource: GOV.UK What your tax code means
Emergency and K codes: W1, M1 and X are emergency codes (warning shown). K codes cannot take more than half your pay in tax (referred to HMRC)Sources: Emergency tax codes, K tax codes
Employee National Insurance thresholds: Primary threshold £12,570; Upper Earnings Limit £50,270; Lower Earnings Limit £6,708 (no employee NI is deducted from the LEL)Source: HMRC Class 1 NI thresholds 2026 to 2027
Employee National Insurance rates: A, F, H, M, N, V: 8% then 2%. B, E, I: 1.85% then 2%. D, J, L, Z: 2% then 2%. C, K, S: nilSource: HMRC Class 1 NI rates 2026 to 2027
Student loans: 9% above: Plan 1 £26,900; Plan 2 £29,385; Plan 4 £33,795; Plan 5 £25,000. Postgraduate Loan 6% above £21,000. Worked out on gross pay for National InsuranceSources: HMRC student loan recovery 2026 to 2027, SL3 tables
Pension qualifying earnings: £6,240 to £50,270Source: The Pensions Regulator: Earnings thresholds
Pension tax relief methods: Net pay: before tax. Relief at source: provider adds 20%, higher rates claimed separately. Salary sacrifice: lower salary before tax and NISources: GOV.UK: Pension tax relief, Salary sacrifice and PAYE
Salary sacrifice from April 2029 (not used in 2026/27): Only the first £2,000 a year of sacrificed pension contributions will be free of National InsuranceSource: GOV.UK: Changes to salary sacrifice from April 2029
National Living Wage (salary sacrifice limit): £12.71 an hour from 1 April 2026; salary sacrifice cannot take cash pay below the minimum wageSource: HMRC National Minimum Wage 2026
Pension annual allowance: Normally £60,000 (warning only; no charge calculated)Source: GOV.UK: Annual allowance
High Income Child Benefit Charge: Can apply above £60,000 adjusted net income (note only; not deducted)Source: GOV.UK: High Income Child Benefit Charge

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Official sources

Every rule and figure this calculator uses comes from the legislation and official guidance below. All links were checked on 5 October 2026.

Income Tax

HMRC: Rates and thresholds for employers 2026 to 2027Every Income Tax, National Insurance, student loan and minimum wage figure for 2026/27
GOV.UK: Income Tax rates and Personal Allowances
GOV.UK: Income over £100,000The Personal Allowance taper
GOV.UK: Income Tax in Scotland
GOV.UK: Income Tax in Wales
GOV.UK: What your tax code means
GOV.UK: Emergency tax codes
GOV.UK: K tax codes
GOV.UK: How tax works if you have more than one job

National Insurance and student loans

Pensions

Child Benefit, childcare and HMRC’s own estimate

GOV.UK: High Income Child Benefit Charge
GOV.UK: Tax-Free Childcare
GOV.UK: Estimate your Income Tax for the current yearThe official benchmark

Questions people ask

How much will I take home from a £40,000 salary?

In England, Wales or Northern Ireland, with the standard 1257L tax code, no pension and no student loan: about £32,319.60 a year (£2,693.30 a month). That is after £5,486.00 Income Tax and £2,194.40 employee National Insurance. In Scotland it is about £32,254.53 a year because Scottish Income Tax is £5,551.07. Pension and student loan deductions reduce these figures.

Source: HMRC rates and thresholds 2026 to 2027

How is UK take-home pay calculated?

Gross salary, minus Income Tax, minus employee National Insurance, minus your pension contribution (depending on the method), minus any student or postgraduate loan repayment. Employer National Insurance and employer pension contributions are paid on top and are not taken from your pay.

Source: HMRC rates and thresholds 2026 to 2027

Does Scotland have different Income Tax rates?

Yes. Scottish taxpayers pay six rates in 2026/27: 19%, 20%, 21%, 42%, 45% and 48%. It depends on where you live for tax, not where you work. National Insurance is the same across the UK.

Source: GOV.UK Income Tax in Scotland

Does Wales have different Income Tax rates?

Wales sets Welsh rates of Income Tax, and Welsh taxpayers have a tax code starting with C. For 2026/27 the rates are the same as England and Northern Ireland.

Source: GOV.UK Income Tax in Wales

What is the Personal Allowance in 2026/27?

£12,570 for most people, shown as tax code 1257L.

Source: GOV.UK Income Tax rates and Personal Allowances

What happens when I earn over £100,000?

Your Personal Allowance goes down by £1 for every £2 of adjusted net income over £100,000, and it is £0 at £125,140. In that range, each extra £100 of salary can leave you with much less than the headline rates suggest. Pension contributions can reduce adjusted net income.

Source: GOV.UK Income over £100,000

How much National Insurance do employees pay?

Most employees (category A) pay 8% on earnings between £12,570 and £50,270 a year and 2% above £50,270. Some category letters have different rates.

Source: HMRC Class 1 NI rates

Which student loan plan do I have?

It depends on where and when you started your course. Plan 1 covers courses in England or Wales that started before 1 September 2012, and all Northern Ireland loans. Plan 2 covers courses in England that started between 1 September 2012 and 31 July 2023, and courses in Wales from 1 September 2012. Plan 4 is for Scottish loans, and Plan 5 for English courses starting from 1 August 2023. Your Student Loans Company account shows which you have.

Source: GOV.UK which repayment plan you are on

Can I repay a student loan and a Postgraduate Loan at the same time?

Yes. Both are deducted separately: 9% above your plan threshold and 6% above £21,000.

Source: GOV.UK guidance for employers

Does salary sacrifice reduce tax?

Under a qualifying pension salary sacrifice, your salary is lower, so Income Tax, National Insurance and student loan are worked out on the lower amount. It cannot take your pay below the minimum wage.

Source: GOV.UK salary sacrifice and PAYE

Why is my payslip different from this calculator?

Payroll works pay period by pay period, using that period’s thresholds, your previous pay this year, your tax code and rounding (student loan deductions are rounded down to the pound). Variable pay, bonuses, benefits, other income and your pension scheme’s own rules can all change the figures.

Source: GOV.UK work out an employee’s Income Tax

Is this calculator exact or official?

No to both. It is an independent, free MadyHR.ai tool that follows published GOV.UK and HMRC rules to give an estimate. It is not HMRC software and is not endorsed by any government body.

Do you save what I type?

No. The calculator is web-based only and runs entirely in your browser. Nothing you enter is sent to our servers, stored or used for analytics.

Important: please read

This is an estimate for general information only. It is not tax, payroll, financial, employment or legal advice, and it does not decide your tax liability or your payslip.
We accept no responsibility or liability for any decision made, action taken or loss suffered from using this calculator or relying on its results. Always check your payslip, your HMRC account or a qualified adviser before acting.
Your actual pay can differ because of your tax code, pay frequency, earlier pay this tax year, your pension scheme’s rules, student loan status, National Insurance category, taxable benefits, other income and payroll rounding.
Web-based only, nothing is saved. The calculation runs entirely in your web browser. Your salary and other answers are not sent to MadyHR.ai, not stored, not used for analytics and not shared. Closing or refreshing the page clears them.
Rules: 2026/27 tax year, 6 April 2026 to 5 April 2027. Figures last checked against GOV.UK and HMRC on 5 October 2026. If official guidance changes, the official guidance applies.
MadyHR.ai is HR software. We are not a law firm, tax adviser, accountant or FCA-regulated financial adviser. This tool is not affiliated with, endorsed by or operated by HM Revenue & Customs, GOV.UK, the Student Loans Company, The Pensions Regulator or any government body.

For an official estimate, use GOV.UK: Estimate your Income Tax for the current year.

Disclaimer

This calculator is provided free, as is, for general information only. It gives an annual estimate based on our reading of published GOV.UK and HMRC guidance for the 2026/27 tax year and the information you enter. It is not tax, payroll, financial, employment or legal advice, and it is not a payslip or a statement of your tax liability. It does not cover every situation, including but not limited to: more than one job, benefits in kind, K codes, pay-period and non-cumulative calculations, bonuses, irregular pay, savings, dividend, rental or self-employed income, Self Assessment, pension annual allowance charges and the High Income Child Benefit Charge.

To the fullest extent permitted by law, MadyHR.ai accepts no responsibility or liability for any loss, cost, penalty or decision arising from use of, or reliance on, this calculator or its results. Nothing here limits any liability that cannot be limited by law. Please confirm figures with your employer’s payroll team, your HMRC online account or a qualified adviser before relying on them. See our resources disclaimer and terms.

This calculator is web-based only. It runs in your browser; nothing you enter is transmitted to or saved by MadyHR.ai. Not affiliated with, endorsed by or operated by HM Revenue & Customs, GOV.UK, the Department for Education, the Student Loans Company, The Pensions Regulator or HM Government.

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