UK Salary Calculator 2026/27 - Take Home Pay and How You Compare

Your take-home pay is your gross salary minus income tax and National Insurance (NI). For the 2026/27 tax year, the first £12,570 of your salary is the personal allowance and tax-free. Above that, income tax is charged in bands. The personal allowance is reduced by £1 for every £2 of income over £100,000, so it fully phases out at £125,140.

In England, Wales and Northern Ireland, the basic rate is 20% on income between £12,571 and £50,270, the higher rate is 40% on income from £50,271 to £125,140, and the additional rate is 45% above £125,140. The first £12,570 (the personal allowance) is tax-free for most earners.

Scotland uses six bands after the £12,570 personal allowance: Starter 19% (£12,571 to £15,397), Basic 20% (to £27,491), Intermediate 21% (to £43,662), Higher 42% (to £75,000), Advanced 45% (to £125,140), and Top 48% above £125,140. If you select a Scottish area in the calculator above, Scottish rates are applied automatically.

Divide your annual salary by 52 weeks, then by your weekly hours. For a typical 37.5-hour week, a £30,000 salary works out at approximately £15.38 per hour before tax (£30,000 ÷ 52 ÷ 37.5). Contracted hours vary - 35-hour and 40-hour weeks are also common.

Employee National Insurance is 8% on earnings between £12,570 and £50,270, and 2% on anything above £50,270. The thresholds and rates are the same across the UK.