🇬🇧 2026/27
TAX YEAR 2026/27 · HMRC & SCOTTISH RATES

UK Salary After Tax 2026/27

Enter a salary to see your 2026/27 take-home pay after income tax, National Insurance, pension and Plan 2 student loan — or open a ready-made page for any salary from £15,000 to £150,000.

ESTIMATE

Tax year 2026/27 (6 April 2026 – 5 April 2027). Tax code 1257L, National Insurance category A, under State Pension age, salary only — no bonus, benefits in kind or other income. For bonuses, Plan 1/4/5 or postgraduate loans use the UK take-home pay calculator.

Quick salary after tax calculator

Tax code 1257L, NI category A. For bonuses and Plans 1/4/5 use the full take-home pay calculator.

Envelope illustration: a £35,000 salary leaves £28,720 take-home a year in England, Wales and Northern Ireland, 2026/27 £ £28,720 TAKE-HOME A YEAR

Example: a £35,000 salary

You keep 82p of every £1

kept 82.1%deductions 17.9%
£2,393 a month£552.30 a week£14.73 an hour

How much you keep as pay rises

How much you keep as pay rises: £20k gross keeps £17,920 (89.6%); £30k gross keeps £25,120 (83.7%); £40k gross keeps £32,320 (80.8%); £50k gross keeps £39,520 (79.0%); £75k gross keeps £54,057 (72.1%); £100k gross keeps £68,557 (68.6%); £150k gross keeps £91,286 (60.9%)£20k £17,920£30k £25,120£40k £32,320£50k £39,520£75k £54,057£100k £68,557£150k £91,286
Take-home (shown)Tax & deductions

England, Wales & NI, 2026/27, no pension or student loan. Bar length = gross salary; green = take-home.

Salary after tax — pick an amount

Every page shows the England/Wales/NI and Scottish take-home, a band-by-band tax breakdown and Plan 2 / pension variants.

£15k£16k£17k£18k£19k£20k£21k£22k£23k£24k£25k£26k£27k£28k£29k£30k£31k£32k£33k£34k£35k£36k£37k£38k£39k£40k£41k£42k£43k£44k£45k£46k£47k£48k£49k£50k£51k£52k£53k£54k£55k£56k£57k£58k£59k£60k£62.5k£65k£67.5k£70k£72.5k£75k£77.5k£80k£82.5k£85k£87.5k£90k£92.5k£95k£97.5k£100k£105k£110k£115k£120k£125k£130k£135k£140k£145k£150k

UK take-home pay table 2026/27

No pension or student loan unless stated. “Plan 2 / month” is England, Wales & NI take-home with a Plan 2 loan.

SalaryE, W & NI / yr/ monthScotland / yr/ monthPlan 2 / monthTax + NI rate
£15,000£14,320£1,193£14,344£1,195£1,1934.5%
£16,000£15,040£1,253£15,074£1,256£1,2536.0%
£17,000£15,760£1,313£15,799£1,317£1,3137.3%
£18,000£16,480£1,373£16,519£1,377£1,3738.4%
£19,000£17,200£1,433£17,239£1,437£1,4339.5%
£20,000£17,920£1,493£17,959£1,497£1,49310.4%
£21,000£18,640£1,553£18,679£1,557£1,55311.2%
£22,000£19,360£1,613£19,399£1,617£1,61312.0%
£23,000£20,080£1,673£20,119£1,677£1,67312.7%
£24,000£20,800£1,733£20,839£1,737£1,73313.3%
£25,000£21,520£1,793£21,559£1,797£1,79313.9%
£26,000£22,240£1,853£22,279£1,857£1,85314.5%
£27,000£22,960£1,913£22,999£1,917£1,91315.0%
£28,000£23,680£1,973£23,719£1,977£1,97315.4%
£29,000£24,400£2,033£24,439£2,037£2,03315.9%
£30,000£25,120£2,093£25,155£2,096£2,08916.3%
£31,000£25,840£2,153£25,865£2,155£2,14116.6%
£32,000£26,560£2,213£26,575£2,215£2,19417.0%
£33,000£27,280£2,273£27,285£2,274£2,24617.3%
£34,000£28,000£2,333£27,995£2,333£2,29917.6%
£35,000£28,720£2,393£28,705£2,392£2,35117.9%
£36,000£29,440£2,453£29,415£2,451£2,40418.2%
£37,000£30,160£2,513£30,125£2,510£2,45618.5%
£38,000£30,880£2,573£30,835£2,570£2,50918.7%
£39,000£31,600£2,633£31,545£2,629£2,56119.0%
£40,000£32,320£2,693£32,255£2,688£2,61419.2%
£41,000£33,040£2,753£32,965£2,747£2,66619.4%
£42,000£33,760£2,813£33,675£2,806£2,71919.6%
£43,000£34,480£2,873£34,385£2,865£2,77119.8%
£44,000£35,200£2,933£35,024£2,919£2,82420.0%
£45,000£35,920£2,993£35,524£2,960£2,87620.2%
£46,000£36,640£3,053£36,024£3,002£2,92920.3%
£47,000£37,360£3,113£36,524£3,044£2,98120.5%
£48,000£38,080£3,173£37,024£3,085£3,03420.7%
£49,000£38,800£3,233£37,524£3,127£3,08620.8%
£50,000£39,520£3,293£38,024£3,169£3,13921.0%
£51,000£40,137£3,345£38,567£3,214£3,18321.3%
£52,000£40,717£3,393£39,127£3,261£3,22421.7%
£53,000£41,297£3,441£39,687£3,307£3,26422.1%
£54,000£41,877£3,490£40,247£3,354£3,30522.4%
£55,000£42,457£3,538£40,807£3,401£3,34622.8%
£56,000£43,037£3,586£41,367£3,447£3,38723.1%
£57,000£43,617£3,635£41,927£3,494£3,42823.5%
£58,000£44,197£3,683£42,487£3,541£3,46923.8%
£59,000£44,777£3,731£43,047£3,587£3,50924.1%
£60,000£45,357£3,780£43,607£3,634£3,55024.4%
£62,500£46,807£3,901£45,007£3,751£3,65225.1%
£65,000£48,257£4,021£46,407£3,867£3,75425.8%
£67,500£49,707£4,142£47,807£3,984£3,85626.4%
£70,000£51,157£4,263£49,207£4,101£3,95926.9%
£72,500£52,607£4,384£50,607£4,217£4,06127.4%
£75,000£54,057£4,505£52,007£4,334£4,16327.9%
£77,500£55,507£4,626£53,332£4,444£4,26528.4%
£80,000£56,957£4,746£54,657£4,555£4,36728.8%
£82,500£58,407£4,867£55,982£4,665£4,46929.2%
£85,000£59,857£4,988£57,307£4,776£4,57129.6%
£87,500£61,307£5,109£58,632£4,886£4,67329.9%
£90,000£62,757£5,230£59,957£4,996£4,77530.3%
£92,500£64,207£5,351£61,282£5,107£4,87730.6%
£95,000£65,657£5,471£62,607£5,217£4,97930.9%
£97,500£67,107£5,592£63,932£5,328£5,08131.2%
£100,000£68,557£5,713£65,257£5,438£5,18431.4%
£105,000£70,457£5,871£66,782£5,565£5,30432.9%
£110,000£72,357£6,030£68,307£5,692£5,42534.2%
£115,000£74,257£6,188£69,832£5,819£5,54635.4%
£120,000£76,157£6,346£71,357£5,946£5,66736.5%
£125,000£78,057£6,505£72,882£6,074£5,78837.6%
£130,000£80,686£6,724£75,355£6,280£5,96937.9%
£135,000£83,336£6,945£77,855£6,488£6,15338.3%
£140,000£85,986£7,166£80,355£6,696£6,33638.6%
£145,000£88,636£7,386£82,855£6,905£6,51938.9%
£150,000£91,286£7,607£85,355£7,113£6,70339.1%

2026/27 rates used

England, Wales & NIIncomeRate
Personal allowanceup to £12,5700%
Basic rate£12,571–£50,27020%
Higher rate£50,271–£125,14040%
Additional rateover £125,14045%
ScotlandIncomeRate
Personal allowanceup to £12,5700%
Starter£12,571–£16,53719%
Basic£16,538–£29,52620%
Intermediate£29,527–£43,66221%
Higher£43,663–£75,00042%
Advanced£75,001–£125,14045%
Topover £125,14048%

National Insurance: employees pay 8% on earnings between £12,570 and £50,270 and 2% above (the same everywhere in the UK). Personal allowance taper: £1 of allowance is lost for every £2 of income over £100,000. Student loans 2026/27: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000 (all 9%), postgraduate £21,000 (6%).

At £30,000 you take home £25,120; at £50,000, £39,520; and at £100,000, £68,557 (England, Wales & NI).

FAQ

How is UK take-home pay calculated for 2026/27?

Take-home pay is gross salary minus income tax and employee National Insurance. Income tax uses the £12,570 personal allowance and the 20%, 40% and 45% bands (six bands from 19% to 48% in Scotland). Employee NI is 8% between £12,570 and £50,270 and 2% above. Student loans and pension contributions are deducted on top if you have them.

How much is £50,000 after tax in 2026/27?

About £39,520 a year (£3,293 a month) in England, Wales and Northern Ireland, and £38,024 in Scotland, with no pension or student loan.

How much is £100,000 after tax?

About £68,557 a year, or £5,713 a month, in England, Wales and Northern Ireland. Above £100,000 the personal allowance starts to shrink, creating an effective 62% marginal rate up to £125,140.

Are the tax thresholds changing in 2026/27?

In England, Wales and Northern Ireland the personal allowance (£12,570), higher-rate threshold (£50,270) and additional-rate threshold (£125,140) stay frozen until April 2031. In Scotland the starter and basic rate bands were raised for 2026/27, so the 21% intermediate rate now starts at £29,527.