Take-home pay calculator
Tax year 2026/27, for England and Northern Ireland, Scotland, Wales. Every line shows its rate, the slice of pay it applied to and the gov.uk page it came from.
Results update as you type. Your inputs are kept in this browser so other pages can pre-fill them, and are never sent anywhere.
Take-home pay
£2,093a month
- A year
- £25,120
- A week
- £483
- A day
- £97
Effective rate 16.27%. Marginal rate on the next £1,000: 28%.
On the same pay, take-home is unchanged from 2025/26. None of the rules that apply to this result changed.
Where your pay sits
You are £20,270 below the higher rate threshold and the National Insurance upper earnings limit (£50,270).
- Personal allowance: £12,570 (below your pay)
- Higher rate and NI upper earnings limit: £50,270 (£20,270 above your pay)
- Child benefit charge: £60,000 (£30,000 above your pay)
- Allowance taper: £100,000 (£70,000 above your pay)
- Additional rate and Allowance gone: £125,140 (£95,140 above your pay)
The breakdown
| Line | Rate | On | A year | Source |
|---|---|---|---|---|
| £30,000.00 | ||||
| Gross annual pay £30,000.00. | ||||
| £12,570.00 | gov.uk | |||
| Tax code 1257L gives an allowance of £12,570.00, taxed at 0%. | ||||
| 20% | £17,430.00 | −£3,486.00 | gov.uk | |
| Taxable income from £0.00 to £37,700.00: £17,430.00 × 20% = £3,486.00. | ||||
| 8% | £17,430.00 | −£1,394.40 | gov.uk | |
| Earnings from £12,570.00 to £50,270.00: £17,430.00 × 8% = £1,394.40. | ||||
| £25,119.60 | ||||
| £30,000.00 − £4,880.40 = £25,119.60. | ||||
Where each pound goes
How this is calculated
- Allowance. Your tax code sets the allowance: the standard code gives £12,570. Above £100,000 of adjusted net income it falls by £1 for every £2, reaching zero at £125,140. A K code adds to taxable pay instead.
- Income tax. Pay above the allowance is taxed band by band. In England, Northern Ireland and Wales for 2026/27: basic rate at 20% on the first £37,700; higher rate at 40% on the first £125,140; additional rate at 45% above that. Taxable income is rounded down to the pound.
- National Insurance. 8% on earnings between £12,570 and £50,270, then 2% above, using the annual thresholds.
- Student loan. The plan rate on pay above the plan threshold, rounded down to the pound. Several plans can run at once.
- Pension. Salary sacrifice reduces pay before tax and National Insurance. Net pay reduces taxable pay only. Relief at source leaves pay alone and widens the basic rate band by the gross contribution.
- Take-home. Salary less each deduction. Monthly, weekly and daily figures divide the annual result by 12, 52 and 260.
Scotland. Scottish taxpayers use the Scottish bands instead: starter rate at 19%, basic rate at 20%, intermediate rate at 21%, higher rate at 42%, advanced rate at 45%, top rate at 48%, applied to the same allowance. The higher rate starts at a lower income than in the rest of the UK, so the ruler moves. National Insurance and student loans do not change.
The rounding conventions are listed in the methodology, and the formulas run from the open rules file for 2026/27.
Rules used
- Tax year
- 2026/27 (6 April 2026 to 5 April 2027)
- Nation
- England and Northern Ireland
- Figures
- Checked on 7 November 2026. Status: in force.
- Next scheduled change
- 6 April 2027: New tax year. Savings and property income rates rise to 24%, 44% and 49%, the trading allowance rises to £3,000, the Pension Tax Allowance begins and the mileage rate above 10,000 miles rises to 35p.
- Every figure
- Rates and allowances for 2026/27, each with its source and the date it was checked.
What changes on 6 April 2027
New tax year. Savings and property income rates rise to 24%, 44% and 49%, the trading allowance rises to £3,000, the Pension Tax Allowance begins and the mileage rate above 10,000 miles rises to 35p.
- National Insurance lower earnings limit: £6,708 to £6,916 (announced)
You can switch the tax year above to see the result under 2027/28 as announced so far.
What this does not do. It does not model benefits in kind, more than one job, a tax code with a cumulative adjustment, National Insurance category letters other than A, the pension annual allowance, or Scottish and Welsh interactions beyond the income tax bands. It never suggests what to do with the result.
Questions people ask
- Why is my take-home different from this calculator?
- This result assumes a steady salary paid over a full year, the standard tax code unless you enter another, and no benefits in kind. A payslip can differ because PAYE works month by month, your tax code carries adjustments, or your employer uses a different pension scheme. The ledger shows each line so you can see which one differs.
- Does the calculator cover Scotland and Wales?
- Yes. Choose where you live and the income tax bands change: Scotland has 6 bands in 2026/27 and Wales uses the Welsh rate, which currently gives the same figures as England and Northern Ireland. National Insurance and student loans are the same across the UK.
- Which student loan plan do I have?
- Plan 1, Plan 2, Plan 4, Plan 5, Postgraduate loan. The plan depends on where you lived and when you started your course, and it is on your Student Loans Company statement. Each plan repays a share of pay above its own threshold: in 2026/27, Plan 2 starts at £29,385 and Plan 5 at £25,000.
- What does the pension type change?
- A salary sacrifice contribution comes off pay before tax and National Insurance, so it saves both. A net pay contribution comes off before tax only. A relief at source contribution is paid from net pay and your provider adds basic rate relief. The ledger shows the National Insurance line for each, which is where the three differ.
- What happens to the personal allowance above £100,000?
- It falls by £1 for every £2 of adjusted net income above £100,000 and reaches zero at £125,140. Between those two points each extra pound is taxed and also removes part of the allowance, which the ruler marks and the marginal rate line (the next £1,000) shows.
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