This calculator is for employees in the United Kingdom, for the tax year from 6 April 2026 to 5 April 2027. It takes your gross pay and deducts income tax, National Insurance and, if you choose, a workplace pension and student loan repayments, using the rates published by HMRC on gov.uk. Scotland has its own income tax bands; National Insurance is the same across the UK.
How it is calculated
- Personal allowance: £12,570 tax-free, reduced by £1 for every £2 of income above £100,000.
- Income tax in England, Wales and Northern Ireland: 20% on the first £37,700 above the allowance, 40% up to £125,140, 45% above. In Scotland: 19%, 20%, 21%, 42%, 45% and 48% bands.
- National Insurance: 8% of pay between £12,570 and £50,270 a year, 2% above.
- Student loans: 9% of pay above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) or £25,000 (Plan 5); postgraduate loans 6% above £21,000.
Example
On a salary of £35,000 in England, income tax is 20% of £22,430, which is £4,486, and National Insurance is 8% of £22,430, which is £1,794. Take-home pay is £28,720 a year, or about £2,393 a month. To convert the same pay between hourly, weekly and yearly without tax, use the salary calculator.
What it does not include
Results assume the standard tax code 1257L and National Insurance category A, with tax and NI spread evenly over the year. They do not include benefits in kind, the High Income Child Benefit Charge, the marriage allowance, or tax relief on pension contributions you pay from net pay (relief at source). Your payslip can differ month to month; for a precise figure, check your tax code with HMRC.
Frequently asked questions
What is the take-home pay on £30,000 in the UK?
About £25,120 a year, or £2,093 a month, in England, Wales or Northern Ireland in 2026/27: £3,486 income tax and £1,394 National Insurance. In Scotland it is about £25,155 a year.
Is 70,000 pounds a good salary in the UK?
It is a high salary for the UK. In 2026/27 it leaves about £51,157 a year, or £4,263 a month, after tax and National Insurance in England. Part of the pay above £50,270 is taxed at 40%.
What salary is £4,000 a month after tax in the UK?
About £64,560 a year before tax in England, Wales or Northern Ireland, with no pension or student loan. Enter different salaries above to find the exact figure for your situation.
How much tax do I pay on £100,000?
In England, about £27,432 income tax and £4,011 National Insurance in 2026/27, leaving £68,557. Above £100,000 the personal allowance starts to shrink, which is why pay between £100,000 and £125,140 is taxed at an effective 60%.
Sources
- GOV.UK: Rates and thresholds for employers 2026 to 2027
- GOV.UK: Income Tax rates and allowances for current and previous tax years
By Calcelate Team. Formula from the sources above.
- 2026-10-06 · Formula and texts checked
- 2026-10-06 · Reference data as of this date