Take-home pay for 2026-27 after income tax, National Insurance and student loan
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 29 Sept 2026.UK take-home pay on a £40,000 salary is £32,319.60 a year, £2,693.30 a month, in 2026-27: £5,486 of income tax at 20% after the £12,570 personal allowance and £2,194.40 of employee National Insurance at 8%. The calculator also handles the allowance taper on high pay, Scottish rates and student loan repayments.
£32,320
£2,693 a month, over 12 monthsAn estimate for an employee with salary as the only income, not tax advice.
| Out of £40,000 | A year | A month | Share |
|---|---|---|---|
| Income tax£12,570 personal allowance, then 20% up to £50,270, 40% up to £125,140, 45% above. | £5,486.00 | £457.17 | 13.7% |
| National Insurance8% of pay between £12,570 and £50,270, 2% above. | £2,194.40 | £182.87 | 5.5% |
| Take-home pay | £32,319.60 | £2,693.30 | 80.8% |
2026-27 · Rates and rules read from the sources listed on this page (the earliest on 29 Sept 2026); they may have changed since.
Enter your "Gross salary a year" in pounds.
Under "Where you live" choose "England, Wales, NI" or Scotland.
Pick your plan in the "Student loan" list, or leave it on "No student loan".
Read "Income tax", "National Insurance" and "Marginal rate", then open "Line by line" for each deduction.
Press "Share result" to copy a link with these figures.
This calculator follows a UK employee's salary for the 2026-27 tax year, 6 April 2026 to 5 April 2027, from gross pay to take-home pay. It assumes salary is the only income and the standard tax code 1257L.
Income tax. The first £12,570 is the personal allowance and is not taxed. In England, Wales and Northern Ireland the next £37,700 of taxable income is taxed at 20%, income up to £125,140 at 40% and anything above at 45%. Above £100,000 the allowance shrinks by £1 for every £2 of income, so it is gone at £125,140; between those two figures each extra pound costs 60p in income tax, which the calculator shows as the marginal rate.
Scotland. Scottish taxpayers use six bands on taxable income: 19% on the first £3,967, then 20%, 21% from £16,957, 42% from £31,093, 45% from £62,431 and 48% above £125,140.
National Insurance. Employees pay Class 1 contributions of 8% on pay between £12,570 and £50,270 a year and 2% above. The calculator works them on the annual thresholds; payroll works them per pay period, so a bonus month can differ slightly.
Student loans. Repayments are 9% of pay above £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5, or 6% above £21,000 for a Postgraduate Loan. They are shown as a separate line because they repay a loan, not a tax.
What it does not do. It does not deduct pension contributions or salary sacrifice, which would lower the tax. It leaves out savings and dividend income, benefits in kind, the Marriage Allowance, the High Income Child Benefit Charge and employer National Insurance. Every figure comes from gov.uk and gov.scot, read on 29 September 2026, and the sources are listed on the page. An estimate, not tax advice.
In England, Wales or Northern Ireland in 2026-27, £40,000 leaves £27,430 of taxable income after the £12,570 allowance. Income tax at 20% is £5,486 and National Insurance at 8% is £2,194.40, so take-home pay is £32,319.60 a year, or about £2,693 a month, before any pension or student loan.
Above £100,000 the personal allowance falls by £1 for every £2 of income. Each extra £1 is taxed at 40%, and it also removes 50p of allowance, which adds another 20p of tax. Together that is 60p of income tax per pound, plus 2p of National Insurance, until the allowance is gone at £125,140.
On taxable income after the £12,570 allowance: 19% up to £3,967, 20% to £16,956, 21% to £31,092, 42% to £62,430, 45% to £125,140 and 48% above. Expressed on total salary, the higher rate starts at £43,663. National Insurance is the same in Scotland as in the rest of the UK.
Employees pay Class 1 National Insurance of 8% on earnings between £12,570 and £50,270 a year, which is £242 to £967 a week, and 2% on everything above. Nothing is paid below £12,570. The employer pays its own contribution on top, which does not come out of your salary and is not shown here.
Repayments start once pay passes the plan threshold for 2026-27: £26,900 for Plan 1, £29,385 for Plan 2, £33,795 for Plan 4 and £25,000 for Plan 5, each at 9% of pay above it. A Postgraduate Loan takes 6% of pay above £21,000. Choose your plan to see the yearly and monthly repayment.
No. Workplace pension contributions, especially salary sacrifice, reduce the income that is taxed, and above £100,000 they can restore part of the personal allowance. The figures here assume no pension deduction, so your real take-home pay will be lower in cash but your tax will also be lower than shown.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about UK Income Tax Calculator 2026-27 and anybody who knows can answer. No account needed.
Same job, other tools: Capital Gains Tax on Property UK – CGT on selling a second home or buy-to-let in the UK, at 18% and 24% · CGT Calculator UK 2026-27 – Capital Gains Tax for UK taxpayers: allowance, losses and the 18% and 24% rates · Salary and Dividends Tax Calculator UK – Income tax on a director salary plus dividends for 2026-27, band by band · SDLT Calculator 2026: Stamp Duty Land Tax – Stamp Duty Land Tax for England and Northern Ireland, with every band shown · Dividend Tax Calculator UK 2026 – How much tax you pay on dividends in the UK after the £500 allowance · Tính Lương Gross Sang Net 2026 – Tính lương gross sang net 2026: BHXH, BHYT, BHTN, thuế TNCN biểu 5 bậc và giảm trừ.
Also works as: UK Take-Home Pay Calculator.
In the collection Salary Calculators by Country.
More for UK: all 13 UK calculators.