UK take-home pay calculator
Assumes standard tax code 1257L. Results are estimates — your actual payslip may differ.
Enter your annual salary to see your take-home pay breakdown.
UK income tax rates 2026/27
The personal allowance remains £12,570 for 2026/27. Income above this is taxed in three bands for taxpayers in England, Wales and Northern Ireland:
| 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 | Above £125,140 | 45% |
The personal allowance tapers for incomes above £100,000, reducing by £1 for every £2 earned, reaching zero at £125,140. This creates an effective 60% income tax rate in this band — one of the most significant but least-known features of the UK tax system.
National Insurance 2026/27
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, and 2% on anything above. There is no NI on earnings below the Primary Threshold of £12,570.
Scottish income tax rates 2026/27
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Starter rate | £12,571 – £15,397 | 19% |
| Basic rate | £15,398 – £27,491 | 20% |
| Intermediate rate | £27,492 – £43,662 | 21% |
| Higher rate | £43,663 – £75,000 | 42% |
| Advanced rate | £75,001 – £125,140 | 45% |
| Top rate | Above £125,140 | 48% |
Worked example — £40,000 salary (England, 2026/27)
On a £40,000 salary in 2026/27: no tax on the first £12,570 (personal allowance). The remaining £27,430 is taxed at 20%, giving income tax of £5,486. National Insurance is 8% × £27,430 = £2,194. Total deductions: £7,680. Take-home pay: £32,320/year (£2,693/month). Effective rate: 19.2%.
Also from the Get suite
GetSalary is part of a suite of free UK financial tools. Once you know your take-home pay, GetPayslip.co.uk can generate an estimated payslip. If you're self-employed, GetInvoice.co.uk creates free HMRC-compliant invoices and GetMileage.co.uk calculates your HMRC mileage allowance at the 55p 2026/27 rate. For VAT calculations visit GetVAT.co.uk, for student loan projections try GetStudentLoan.co.uk, and for timesheets use GetTimesheet.co.uk.