UK Take-Home Pay Guide 2026/27
How much do you keep after Income Tax and National Insurance? Select your gross salary to see the full breakdown including Scotland comparison, student loan impact, and pension contributions.
Up to £30,000
National Living Wage to below median
£15,000
£1,193/month
4.5% effective rate
£16,000
£1,253/month
6% effective rate
£17,000
£1,313/month
7.3% effective rate
£18,000
£1,373/month
8.4% effective rate
£19,000
£1,433/month
9.5% effective rate
£20,000
£1,493/month
10.4% effective rate
£21,000
£1,553/month
11.2% effective rate
£22,000
£1,613/month
12% effective rate
£23,000
£1,673/month
12.7% effective rate
£24,000
£1,733/month
13.3% effective rate
£25,000
£1,793/month
13.9% effective rate
£26,000
£1,853/month
14.5% effective rate
£27,000
£1,913/month
15% effective rate
£28,000
£1,973/month
15.4% effective rate
£29,000
£2,033/month
15.9% effective rate
£30,000
£2,093/month
16.3% effective rate
£30,000 – £50,000
Basic rate band
£30,000
£2,093/month
16.3% effective rate
£31,000
£2,153/month
16.6% effective rate
£32,000
£2,213/month
17% effective rate
£33,000
£2,273/month
17.3% effective rate
£34,000
£2,333/month
17.6% effective rate
£35,000
£2,393/month
17.9% effective rate
£36,000
£2,453/month
18.2% effective rate
£37,000
£2,513/month
18.5% effective rate
£38,000
£2,573/month
18.7% effective rate
£39,000
£2,633/month
19% effective rate
£40,000
£2,693/month
19.2% effective rate
£41,000
£2,753/month
19.4% effective rate
£42,000
£2,813/month
19.6% effective rate
£43,000
£2,873/month
19.8% effective rate
£44,000
£2,933/month
20% effective rate
£45,000
£2,993/month
20.2% effective rate
£46,000
£3,053/month
20.3% effective rate
£47,000
£3,113/month
20.5% effective rate
£48,000
£3,173/month
20.7% effective rate
£49,000
£3,233/month
20.8% effective rate
£50,000
£3,293/month
21% effective rate
£50,000 – £100,000
Higher rate band
£50,000
£3,293/month
21% effective rate
£51,000
£3,345/month
21.3% effective rate
£52,000
£3,393/month
21.7% effective rate
£53,000
£3,441/month
22.1% effective rate
£54,000
£3,490/month
22.5% effective rate
£55,000
£3,538/month
22.8% effective rate
£56,000
£3,586/month
23.1% effective rate
£57,000
£3,635/month
23.5% effective rate
£58,000
£3,683/month
23.8% effective rate
£59,000
£3,731/month
24.1% effective rate
£60,000
£3,780/month
24.4% effective rate
£61,000
£3,828/month
24.7% effective rate
£62,000
£3,876/month
25% effective rate
£63,000
£3,925/month
25.2% effective rate
£64,000
£3,973/month
25.5% effective rate
£65,000
£4,021/month
25.8% effective rate
£66,000
£4,070/month
26% effective rate
£67,000
£4,118/month
26.2% effective rate
£68,000
£4,166/month
26.5% effective rate
£69,000
£4,215/month
26.7% effective rate
£70,000
£4,263/month
26.9% effective rate
£71,000
£4,311/month
27.1% effective rate
£72,000
£4,360/month
27.3% effective rate
£73,000
£4,408/month
27.5% effective rate
£74,000
£4,456/month
27.7% effective rate
£75,000
£4,505/month
27.9% effective rate
£76,000
£4,553/month
28.1% effective rate
£77,000
£4,601/month
28.3% effective rate
£78,000
£4,650/month
28.5% effective rate
£79,000
£4,698/month
28.6% effective rate
£80,000
£4,746/month
28.8% effective rate
£81,000
£4,795/month
29% effective rate
£82,000
£4,843/month
29.1% effective rate
£83,000
£4,891/month
29.3% effective rate
£84,000
£4,940/month
29.4% effective rate
£85,000
£4,988/month
29.6% effective rate
£86,000
£5,036/month
29.7% effective rate
£87,000
£5,085/month
29.9% effective rate
£88,000
£5,133/month
30% effective rate
£89,000
£5,181/month
30.1% effective rate
£90,000
£5,230/month
30.3% effective rate
£91,000
£5,278/month
30.4% effective rate
£92,000
£5,326/month
30.5% effective rate
£93,000
£5,375/month
30.6% effective rate
£94,000
£5,423/month
30.8% effective rate
£95,000
£5,471/month
30.9% effective rate
£96,000
£5,520/month
31% effective rate
£97,000
£5,568/month
31.1% effective rate
£98,000
£5,616/month
31.2% effective rate
£99,000
£5,665/month
31.3% effective rate
£100,000
£5,713/month
31.4% effective rate
£100,000 – £150,000
PA taper and additional rate
£100,000
£5,713/month
31.4% effective rate
£101,000
£5,753/month
31.6% effective rate
£102,000
£5,793/month
31.8% effective rate
£103,000
£5,833/month
32% effective rate
£104,000
£5,873/month
32.2% effective rate
£105,000
£5,913/month
32.4% effective rate
£106,000
£5,953/month
32.6% effective rate
£107,000
£5,993/month
32.8% effective rate
£108,000
£6,033/month
33% effective rate
£109,000
£6,073/month
33.1% effective rate
£110,000
£6,113/month
33.3% effective rate
£111,000
£6,153/month
33.5% effective rate
£112,000
£6,193/month
33.6% effective rate
£113,000
£6,233/month
33.8% effective rate
£114,000
£6,273/month
34% effective rate
£115,000
£6,313/month
34.1% effective rate
£116,000
£6,353/month
34.3% effective rate
£117,000
£6,393/month
34.4% effective rate
£118,000
£6,433/month
34.6% effective rate
£119,000
£6,473/month
34.7% effective rate
£120,000
£6,513/month
34.9% effective rate
£121,000
£6,553/month
35% effective rate
£122,000
£6,593/month
35.2% effective rate
£123,000
£6,633/month
35.3% effective rate
£124,000
£6,673/month
35.4% effective rate
£125,000
£6,713/month
35.6% effective rate
£126,000
£6,757/month
35.7% effective rate
£127,000
£6,801/month
35.7% effective rate
£128,000
£6,845/month
35.8% effective rate
£129,000
£6,889/month
35.9% effective rate
£130,000
£6,933/month
36% effective rate
£131,000
£6,978/month
36.1% effective rate
£132,000
£7,022/month
36.2% effective rate
£133,000
£7,066/month
36.2% effective rate
£134,000
£7,110/month
36.3% effective rate
£135,000
£7,154/month
36.4% effective rate
£136,000
£7,198/month
36.5% effective rate
£137,000
£7,243/month
36.6% effective rate
£138,000
£7,287/month
36.6% effective rate
£139,000
£7,331/month
36.7% effective rate
£140,000
£7,375/month
36.8% effective rate
£141,000
£7,419/month
36.9% effective rate
£142,000
£7,463/month
36.9% effective rate
£143,000
£7,508/month
37% effective rate
£144,000
£7,552/month
37.1% effective rate
£145,000
£7,596/month
37.1% effective rate
£146,000
£7,640/month
37.2% effective rate
£147,000
£7,684/month
37.3% effective rate
£148,000
£7,728/month
37.3% effective rate
£149,000
£7,773/month
37.4% effective rate
£150,000
£7,817/month
37.5% effective rate
Calculate your exact take-home pay
Use our full UK salary calculator to include pension, salary sacrifice, student loan plan, tax code, and Scotland rates.
Open UK Salary Calculator →All calculations use HMRC 2026/27 PAYE rates for England, Wales and Northern Ireland. Personal Allowance: £12,570. Income Tax bands frozen until April 2031. National Insurance: 8% between £12,570 and £50,270, 2% above. Scotland uses separate Income Tax bands set by the Scottish Parliament (6 bands from 6 April 2026).