£30,000 After Tax 2026/27
UK Take-Home Pay
A £30,000 salary leaves you with £1,994/month take-home after PAYE tax, National Insurance, and pension in 2026/27.
Your take-home — 2026/27
How your £30,000 is split
Full deduction breakdown
2026/27 · Standard tax code 1257L · Auto-enrolment pension at 5%
| Deduction | Annual | Monthly |
|---|---|---|
| Gross salary | £30,000 | £2,500 |
| Income Tax (PAYE) | −£3,484 | −£290 |
| National Insurance | −£1,394 | −£116 |
| Pension (5% auto-enrolment) | −£1,188 | −£99 |
| Net Take-Home Pay | £23,934 | £1,994 |
What £30,000 means in practice
Your income sits comfortably in the basic rate band. Only £17,430 of your £30,000 salary is taxable — everything above your £12,570 personal allowance. You pay 20% on that taxable portion.
Your National Insurance is £1,394 per year (£116/month). NI is charged at 8% on earnings between £12,570 and £50,270. There is no NI-free personal allowance in the same way as income tax — NI starts at your Primary Threshold (£12,570 in 2026/27).
Your pension contribution under auto-enrolment is £1,188 per year. This is 5% of qualifying earnings (the £6,240–£50,270 band). Your employer contributes at least another 3% (minimum £713/year). That money doesn't disappear — it goes into your pension pot and receives tax relief on the way in.
- You keep 80% of your gross pay (£23,934/year)
- Tax + NI combined: £4,878/year — effective rate 16.3%
- Monthly difference gross vs net: £506 per month in deductions
Student loan impact (Plan 2)
On a £30,000salary, you're above the Plan 2 threshold of £29,385. You repay £55/year (£5/month) at 9% on earnings above the threshold.
Plan 2 loans are written off 30 years after the April after you graduated, or when you turn 65. Use our student loan calculator to model full repayment scenarios.