Take-home pay by salary (2026/27)
Income Tax and employee National Insurance deducted; no pension or student loan. Click a salary for the full breakdown.
| Salary | Take-home / year | Per month | Per week | Per month (Scotland) |
|---|---|---|---|---|
| £15,000 | £14,320 | £1,193 | £275 | £1,195 |
| £18,000 | £16,480 | £1,373 | £317 | £1,377 |
| £20,000 | £17,920 | £1,493 | £345 | £1,497 |
| £22,000 | £19,360 | £1,613 | £372 | £1,617 |
| £25,000 | £21,520 | £1,793 | £414 | £1,797 |
| £28,000 | £23,680 | £1,973 | £455 | £1,977 |
| £30,000 | £25,120 | £2,093 | £483 | £2,096 |
| £32,000 | £26,560 | £2,213 | £511 | £2,215 |
| £35,000 | £28,720 | £2,393 | £552 | £2,392 |
| £38,000 | £30,880 | £2,573 | £594 | £2,570 |
| £40,000 | £32,320 | £2,693 | £622 | £2,688 |
| £45,000 | £35,920 | £2,993 | £691 | £2,960 |
| £50,000 | £39,520 | £3,293 | £760 | £3,169 |
| £55,000 | £42,457 | £3,538 | £816 | £3,401 |
| £60,000 | £45,357 | £3,780 | £872 | £3,634 |
| £65,000 | £48,257 | £4,021 | £928 | £3,867 |
| £70,000 | £51,157 | £4,263 | £984 | £4,101 |
| £80,000 | £56,957 | £4,746 | £1,095 | £4,555 |
| £90,000 | £62,757 | £5,230 | £1,207 | £4,996 |
| £100,000 | £68,557 | £5,713 | £1,318 | £5,438 |
| £120,000 | £76,157 | £6,346 | £1,465 | £5,946 |
| £150,000 | £91,286 | £7,607 | £1,756 | £7,113 |
What else can change your take-home pay
- Pension contributions: auto-enrolment usually takes 5% of qualifying earnings, partly offset by tax relief.
- Student loan repayments: 9% of earnings above your plan threshold.
- Tax code: benefits in kind or underpaid tax from earlier years lower your tax code and your take-home pay.
- Salary sacrifice: cycle-to-work, electric cars or pensions reduce your taxable pay.
How much of a pay rise you keep
| Salary band | Income Tax | NI | You keep |
|---|---|---|---|
| £12,570 – £50,270 | 20% | 8% | 72% |
| £50,270 – £100,000 | 40% | 2% | 58% |
| £100,000 – £125,140 | 60% | 2% | 38% |
| Over £125,140 | 45% | 2% | 53% |
Rates for England, Wales and Northern Ireland, before pension and student loan.
Monthly take-home with a pension and student loan
Most employees pay into a workplace pension, and many graduates repay a Plan 2 loan. Monthly take-home in England:
| Salary | No deductions | With 5% pension | 5% pension + Plan 2 loan |
|---|---|---|---|
| £25,000 | £1,793 | £1,710 | £1,710 |
| £30,000 | £2,093 | £1,993 | £1,989 |
| £35,000 | £2,393 | £2,277 | £2,235 |
| £40,000 | £2,693 | £2,560 | £2,480 |
| £50,000 | £3,293 | £3,127 | £2,972 |
| £60,000 | £3,780 | £3,630 | £3,400 |
Frequently asked questions
How much is £30,000 a year after tax per month?
£2,093 in England, Wales and Northern Ireland.
How much is £40,000 after tax?
£32,320 a year, or £2,693 a month.
Does the table include pension contributions?
No. Use the calculator above to add a pension or student loan.
How much is £25,000 after tax per month?
£1,793 before any pension or student loan.
Is take-home pay different in Scotland?
Slightly lower from about £30,000, because of the 21% intermediate and 42% higher rates.
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.