UK take-home pay calculator 2026/27

What lands in your account each month after Income Tax, National Insurance, your pension and any student loan, for England, Wales, Northern Ireland and Scotland.

Take-home pay a month

£2,093.30

£25,119.60 a year, or £483.07 a week

Income Tax £3,486
National Insurance £1,394
16.3% taken in total

On a salary of £30,000 a year in England, Wales or Northern Ireland you take home £25,119.60 after £3,486.00 of Income Tax and £1,394.40 of National Insurance. That is £2,093.30 a month.

Out of each extra £100 you earn, your take-home pay rises by about £72.00. Your Personal Allowance is £12,570.

The calculation assumes the standard tax code 1257L, one job, no benefits in kind, no bonus paid in a single month and no Marriage Allowance. Your payslip can differ by a few pounds: payroll works month by month.

Where your salary goes

Take-home£25,12084%
Income Tax£3,48612%
National Insurance£1,3945%

I’m not an accountant or a financial advisor. This is an estimate, for information only. Check with a professional before you decide.

Your numbers

example: change the numbers

Salary before tax, a year

Your gross annual pay: the figure in your contract, before tax and National Insurance. Bonuses count if you add them here.

Where you live and pay tax

Scotland has its own Income Tax bands; England, Wales and Northern Ireland use the same ones.

England, Wales or Northern Ireland20%, 40%, 45%Scotlandsix bands, 19% to 48%

Your pension contribution

The percentage of your salary you pay into a workplace pension. The legal minimum under auto-enrolment is 5% of qualifying earnings, with your employer adding at least 3%. Leave 0 if you pay nothing.

How the pension is taken

Net pay: taken before Income Tax, but you still pay National Insurance on the full salary. Salary sacrifice: taken before both, so it saves National Insurance too. Ask payroll which one your employer uses.

Net pay arrangementbefore taxSalary sacrificebefore tax and National Insurance

Student loan

Pick your plan from your loan statement. Plan 1: started before September 2012 in England or Wales, or any time in Northern Ireland. Plan 2: England or Wales from September 2012 to July 2023. Plan 4: Scotland. Plan 5: England from August 2023.

I also repay a Postgraduate Loan

A separate loan for a master’s or doctoral course: 6% of what you earn above £21,000 a year.

YesNo

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The calculation
	Salary before tax	£30,000.00
	Personal Allowancetax-free	£12,570.00
	Taxable income	£17,430.00
−	Income Tax at 20%on £17,430	£3,486.00
−	National Insurance8% from £12,570 to £50,270, 2% above	£1,394.40
=	Take-home pay a year	£25,119.60
	A monthdivided by 12	£2,093.30
	A weekdivided by 52	£483.07

How it works

Take your salary, remove any pension taken before tax, and subtract the Personal Allowance of £12,570 (it shrinks by £1 for every £2 you earn above £100,000 and is zero from £125,140). What is left is taxable income.
In England, Wales and Northern Ireland the first £37,700 of taxable income pays 20%, the part up to £125,140 pays 40% and anything above pays 45%. Scotland has six bands from 19% to 48%.
National Insurance is separate: 8% of earnings between £12,570 and £50,270 a year and 2% above. Student loans take 9% of earnings above the plan threshold (Postgraduate Loan: 6% above £21,000). Take-home pay is salary minus all of these.

Worked example

£30,000 in England: taxable income £30,000 − £12,570 = £17,430, Income Tax 20% = £3,486.00. National Insurance 8% × (£30,000 − £12,570) = £1,394.40. Take-home £30,000 − £3,486.00 − £1,394.40 = £25,119.60 a year, £2,093.30 a month.

Sources

Text checked on October 12, 2026

Good to know

These are the rates for the 2026/27 tax year (6 April 2026 to 5 April 2027) as published on GOV.UK on 12 October 2026. The thresholds are frozen, so a pay rise can push more of your income into a higher band.
The “60% trap”: between £100,000 and £125,140 each extra £2 of income removes £1 of Personal Allowance, so the effective rate on that slice is 62% with National Insurance. A pension contribution through payroll can bring your income back under £100,000.
Pension: with a net pay arrangement your pension comes out before Income Tax; with salary sacrifice it also comes out before National Insurance. With “relief at source” (common in personal pensions) the result is similar for basic-rate taxpayers, but higher-rate relief is claimed separately: the calculator does not model that.
Student loan repayments are worked out on earnings that count for National Insurance, so a salary-sacrifice pension lowers them and a net-pay pension does not.
Your tax code usually starts as 1257L. A different code (for example after a second job or taxable benefits) changes the result: check your payslip or your personal tax account on GOV.UK.
Not financial advice: the figure is an estimate with the published rates. For your case ask your payroll team, HMRC or a tax adviser.

Frequently asked questions

How much is £30,000 a year after tax in the UK?

In England, Wales or Northern Ireland, £25,119.60 a year or £2,093.30 a month for 2026/27: £3,486.00 of Income Tax and £1,394.40 of National Insurance, with no pension or student loan.

What is the Personal Allowance?

£12,570 a year that you can earn without paying Income Tax. It falls by £1 for every £2 of income above £100,000 and is zero from £125,140.

Why is my take-home pay different from this calculator?

Your tax code, taxable benefits, a bonus in one month, a pension scheme with relief at source, salary sacrifice, a second job or a different payday can all change a payslip. The calculator uses a full year and the standard code 1257L.

Do I pay National Insurance above £50,270?

Yes, but at 2% instead of 8%: employee Class 1 National Insurance is 8% between £12,570 and £50,270 and 2% on everything above.

Are Scottish taxpayers taxed differently?

Yes: Scotland sets its own Income Tax bands (19%, 20%, 21%, 42%, 45%, 48%). National Insurance is the same. Wales uses the same bands as England for now.