Find out exactly what lands in your bank account. Enter your salary and we’ll break down your Income Tax, National Insurance, student loan and pension — annually, monthly and weekly.
2026/27 tax year · England, Wales & Northern Ireland
Purpose-built tools for tax, pay, property and savings — each updated with the latest 2026/27 figures from HMRC and GOV.UK. Pick a calculator to get started.
Turn an annual salary into monthly, weekly, daily and hourly take-home pay.
Open calculator →See exactly how much tax you owe across the basic, higher and additional bands.
Open calculator →Class 1 employee NI at the 2026/27 8% and 2% rates, plus employer NI.
Open calculator →Work out monthly repayments, total interest and how much you could borrow.
Open calculator →Compare rates and terms to see how the monthly cost changes.
Open calculator →Calculate Stamp Duty on your purchase, including first-time buyer relief.
Open calculator →Add or remove 20% VAT and see the net, VAT and gross amounts instantly.
Open calculator →Project your pension pot with contributions, employer match and tax relief.
Open calculator →Estimate your statutory redundancy entitlement by age and years of service.
Open calculator →Estimate CGT on shares and property after the 2026/27 £3,000 allowance.
Open calculator →Income Tax and Class 4 NI on your self-employment profits.
Open calculator →Convert between hourly, part-time and full-time pay with tax included.
Open calculator →Your gross salary is reduced by a few separate deductions before it reaches your bank account. Here is what each one means in the 2026/27 tax year.
The first £12,570 you earn is tax-free. This allowance shrinks by £1 for every £2 you earn over £100,000 and disappears at £125,140.
Earnings above the allowance are taxed at 20% up to £50,270, 40% up to £125,140, then 45%.
Class 1 NI is 8% on pay between £12,570 and £50,270, and 2% on anything above that.
Pension contributions cut your taxable pay, while student loans take 9% (or 6% postgraduate) above your plan’s threshold.
These are the rates the calculator above applies for employees in England, Wales and Northern Ireland. Scotland sets its own income tax bands but uses the same National Insurance thresholds.
| Band | Taxable income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| National Insurance (Class 1) | Earnings | Rate |
|---|---|---|
| Below threshold | Up to £12,570 | 0% |
| Main rate | £12,570 – £50,270 | 8% |
| Upper rate | Over £50,270 | 2% |
A quick reference for popular salary points in 2026/27 (no pension or student loan, standard tax code):
| Gross salary | Income Tax | National Ins. | Take-home / yr | Per month |
|---|---|---|---|---|
| £20,000 | £1,486 | £594 | £17,920 | £1,493 |
| £30,000 | £3,486 | £1,394 | £25,120 | £2,093 |
| £40,000 | £5,486 | £2,194 | £32,320 | £2,693 |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 |
| £60,000 | £11,432 | £3,211 | £45,357 | £3,780 |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,505 |
| £100,000 | £27,432 | £4,011 | £68,557 | £5,713 |
Figures rounded to the nearest pound and may differ slightly from your payslip depending on your tax code, salary-sacrifice arrangements and pay frequency.
On a £30,000 salary in 2026/27 you pay around £3,486 Income Tax and £1,394 National Insurance, leaving roughly £25,120 net — about £2,093 a month — before any pension or student loan deductions. Add a pension contribution above and your monthly figure drops, but your taxable income falls too.
The standard Personal Allowance is £12,570 and remains frozen for 2026/27. If you earn more than £100,000 it tapers away by £1 for every £2 of income above that level, and is gone entirely once you reach £125,140.
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, and 2% on everything above £50,270. There is no NI on the first £12,570.
Yes. Choose Plan 1, Plan 2, Plan 4, Plan 5 or a Postgraduate Loan and we deduct 9% (or 6% for postgraduate) of income above the relevant repayment threshold — for example £28,470 on Plan 2.
It’s a close estimate. Your actual payslip can vary because of your specific tax code, salary-sacrifice schemes, taxable benefits, or being paid weekly rather than monthly. For an official figure, use the GOV.UK Income Tax estimator.
This calculator uses the rest-of-UK (England, Wales and Northern Ireland) income tax bands. Scotland has its own bands and rates set by the Scottish Government, although National Insurance and the Personal Allowance are the same UK-wide.
Bookmark WebCalculator for the 2026/27 tax year. Every tool is free, ad-supported and updated the moment HMRC changes the rates.
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