Annual gross	Income tax	National Insurance	Pension (5%)	Annual take-home	Monthly take-home	Eff. rate
£20,000	−£1,486	−£594	−£688	£17,232	£1,436	10.4%
£22,000	−£1,886	−£754	−£788	£18,572	£1,548	12%
£25,000	−£2,486	−£994	−£938	£20,582	£1,715	13.9%
£27,000	−£2,886	−£1,154	−£1,038	£21,922	£1,827	15%
£28,000	−£3,086	−£1,234	−£1,088	£22,592	£1,883	15.4%
£30,000	−£3,486	−£1,394	−£1,188	£23,932	£1,994	16.3%
£32,000	−£3,886	−£1,554	−£1,288	£25,272	£2,106	17%
£35,000	−£4,486	−£1,794	−£1,438	£27,282	£2,274	17.9%
£38,000	−£5,086	−£2,034	−£1,588	£29,292	£2,441	18.7%
£40,000	−£5,486	−£2,194	−£1,688	£30,632	£2,553	19.2%
£42,000	−£5,886	−£2,354	−£1,788	£31,972	£2,664	19.6%
£45,000	−£6,486	−£2,594	−£1,938	£33,982	£2,832	20.2%
£48,000	−£7,086	−£2,834	−£2,088	£35,992	£2,999	20.7%
£50,000	−£7,486	−£2,994	−£2,188	£37,332	£3,111	21%
£55,000	−£9,432	−£3,111	−£2,202	£40,255	£3,355	22.8%
£60,000	−£11,432	−£3,211	−£2,202	£43,155	£3,596	24.4%
£65,000	−£13,432	−£3,311	−£2,202	£46,055	£3,838	25.8%
£70,000	−£15,432	−£3,411	−£2,202	£48,955	£4,080	26.9%
£80,000	−£19,432	−£3,611	−£2,202	£54,755	£4,563	28.8%
£100,000	−£27,432	−£4,011	−£2,202	£66,355	£5,530	31.4%

2026/27 · Standard tax code 1257L · Auto-enrolment pension at 5% (qualifying earnings band £6,240–£50,270) · Does not include student loan repayments. Click any salary for a full breakdown.

How UK take-home pay is calculated

Your take-home pay in 2026/27 is your gross salary minus three main deductions: income tax, National Insurance, and pension contributions.

Income Tax (PAYE)

0% up to £12,570 · 20% on £12,570–£50,270 · 40% on £50,270–£125,140 · 45% above £125,140

National Insurance

0% up to £12,570 · 8% on £12,570–£50,270 · 2% above £50,270

Pension (auto-enrolment)

5% employee on qualifying earnings (£6,240–£50,270 band). Employer adds minimum 3%.

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Frequently asked questions

What is the take-home pay on a £30,000 salary in 2026/27?+

On a £30,000 salary in 2026/27, your take-home pay is approximately £1,970 per month (£23,641/year) after income tax, National Insurance, and auto-enrolment pension contributions.

How is UK after-tax salary calculated?+

Your after-tax salary is your gross pay minus income tax (0% up to £12,570, then 20% up to £50,270), National Insurance (8% on £12,570–£50,270), and pension contributions (5% of qualifying earnings under auto-enrolment).

What is the difference between gross and net pay?+

Gross pay is your full salary before any deductions. Net pay (take-home) is what's left after income tax, National Insurance, and pension are deducted. For a median UK salary of around £35,000, the net pay is typically 70–73% of gross.

At what salary do you start paying 40% tax in the UK?+

You start paying 40% income tax on earnings above £50,270 in 2026/27. Earnings up to that point are taxed at 20% (above the £12,570 personal allowance). You can reduce the amount taxed at 40% by making pension contributions.