Take-home pay for common salaries
| Salary | Take-home / year | Per month | Monthly | Deductions |
|---|---|---|---|---|
| £20,000 | £17,920 | £1,493 | £1,493 | 10.4% |
| £25,000 | £21,520 | £1,793 | £1,793 | 13.9% |
| £30,000 | £25,120 | £2,093 | £2,093 | 16.3% |
| £35,000 | £28,720 | £2,393 | £2,393 | 17.9% |
| £40,000 | £32,320 | £2,693 | £2,693 | 19.2% |
| £50,000 | £39,520 | £3,293 | £3,293 | 21.0% |
| £60,000 | £45,357 | £3,780 | £3,780 | 24.4% |
| £80,000 | £56,957 | £4,746 | £4,746 | 28.8% |
| £100,000 | £68,557 | £5,713 | £5,713 | 31.4% |
How it works
- 1. Enter your salary
Yearly salary or hourly wage, plus pension and loan options.
- 2. We apply 2026/27 rules
Income Tax bands, National Insurance and student loans.
- 3. See every deduction
Take-home pay per pay period, a full breakdown and comparisons.
United Kingdom tax guides
UK Income Tax bands, step by step
You pay no Income Tax on your Personal Allowance of £12,570. The bands below apply to the £22,430 above it.
| Rate | Band | Taxable income | Your income taxed | Tax |
|---|---|---|---|---|
| 20% | Basic rate | £0 – £37,700 | £22,430 | £4,486 |
| 40% | Higher rate | £37,700 – £125,140 | — | — |
| 45% | Additional rate | £125,140 and up | — | — |
Where your money goes
- Take-home pay£28,72082.1%
- Income Tax£4,48612.8%
- National Insurance£1,7945.1%
- Income Tax (£4,486). Charged on £22,430 of taxable income after your £12,570 Personal Allowance.
- National Insurance (£1,794). Worked out on each payslip, at 8% up to £50,270 and 2% beyond.
England vs Scotland
At this salary, you take home £15 a year more in England, Wales and Northern Ireland than in Scotland.
| England, Wales & NI | Scotland | |
|---|---|---|
| Income Tax | £4,486 | £4,501 |
| National Insurance | £1,794 | £1,794 |
| Take-home pay | £28,720 | £28,705 |
| Per month | £2,393 | £2,392 |
Student loan repayments
Graduates repay a share of income above a threshold. At this salary, the amount varies a lot from one plan to another.
| Plan | Threshold | Rate | Repayment / year | Per month | Take-home pay |
|---|---|---|---|---|---|
| Plan 1 | £26,900 | 9% | £729 | £61 | £27,991 |
| Plan 2 | £29,385 | 9% | £505 | £42 | £28,214 |
| Plan 4 (Scotland) | £33,795 | 9% | £108 | £9 | £28,611 |
| Plan 5 | £25,000 | 9% | £900 | £75 | £27,820 |
| Postgraduate | £21,000 | 6% | £840 | £70 | £27,880 |
Frequently asked questions
What is the Personal Allowance for 2026/27?
£12,570. It shrinks by £1 for every £2 of income above £100,000.
What are the National Insurance rates?
8% on earnings between £12,570 and £50,270, and 2% above.
Is Income Tax different in Scotland?
Yes. Scotland has six Income Tax bands from 19% to 48%. National Insurance is the same across the UK.
Figures use HMRC 2026/27 Income Tax bands (including Scottish rates), Class 1 National Insurance and student loan thresholds for an employee paid through PAYE. Read our methodology. Last updated September 25, 2026. Estimates for information only, not tax advice.