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Fill in the details and click Calculate to see your results.
📘 About the UK Take
Your take-home pay is your gross salary minus income tax, employee National Insurance, your pension contribution and any student loan repayment. For 2026/27 most people get a £12,570 tax-free personal allowance, then pay 20% basic rate, 40% higher rate above £50,270 and 45% above £125,140. Scotland has six bands from 19% to 48%.
National Insurance is 8% on earnings between £12,570 and £50,270 and 2% above. Student loans take 9% of income above your plan threshold (6% for postgraduate loans). The calculator also shows your marginal rate — how much of your next £100 you keep — and warns about the 60% trap between £100,000 and £125,140.
🧮 Formula
✏️ Worked examples
£35,000 salary, 5% pension, Plan 2 loan
You get| Take-home pay a month | £2,234.55 |
| Take-home pay a year | £26,815 |
| Take-home pay a week | £515.67 |
| Income tax a year | £4,136 |
| National Insurance a year | £1,794 |
| Student loan a year | £505 |
| Your pension contribution a year | £1,750 |
| Personal allowance | £12,570 |
| Tax + NI as a share of pay | 18.4% |
| Marginal rate on your next £100 | 36% (you keep £64) |
£2,234.55 a month.
£60,000 in Scotland, 5% salary sacrifice
You get| Take-home pay a month | £3,493.95 |
| Take-home pay a year | £41,927 |
| Take-home pay a week | £806.30 |
| Income tax a year | £11,922 |
| National Insurance a year | £3,151 |
| Your pension contribution a year | £3,000 |
| Personal allowance | £12,570 |
| Tax + NI as a share of pay | 25.1% |
| Marginal rate on your next £100 | 42% (you keep £58) |
£3,493.95 a month.
🧭 How to use this calculator
What you enter
- Salary before tax (£)
- Salary is per
- Hours a week (only if you chose hourly pay) (hours)
- Days a week (only if you chose daily pay) (days)
- Where you live
- Pension contribution (%)
- Pension type
- Student loan
- Postgraduate loan
- Over State Pension age?
- Blind Person's Allowance
What you get
- Take-home pay a month
- Take-home pay a year
- Take-home pay a week
- Income tax a year
- National Insurance a year
- Your pension contribution a year
- Personal allowance
- Tax + NI as a share of pay
- Marginal rate on your next £100
💡 UK income tax bands 2026/27
- Personal allowance: £0 – £12,570 at 0%
- Basic rate: £12,571 – £50,270 at 20%
- Higher rate: £50,271 – £125,140 at 40%
- Additional rate: over £125,140 at 45%
❓ Frequently asked questions
How much is £30,000 after tax in the UK?
In 2026/27 a £30,000 salary in England gives about £2,093 a month take-home with no pension or student loan: £3,486 income tax and £1,394 National Insurance a year.
What is the tax-free personal allowance for 2026/27?
£12,570, frozen until April 2031. It is reduced by £1 for every £2 of income over £100,000 and is gone at £125,140.
Why is my marginal tax rate 60% at £100,000?
Between £100,000 and £125,140 you pay 40% tax and also lose personal allowance, which adds another 20%. Pension contributions or salary sacrifice that bring income below £100,000 win the allowance back.
Is Scottish income tax higher?
Scotland charges 19% to 48% across six bands. People earning under about £33,500 pay slightly less than in England; above that they pay more. National Insurance is the same everywhere.
Does salary sacrifice increase take-home pay?
It lowers your take-home pay less than the amount going into your pension, because you save income tax and National Insurance on it.
