Calculate Your Take-Home Pay
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Your Results — 2026/27 Tax Year
Monthly Take-Home
£0
Gross Salary£0
Income Tax-£0
National Insurance-£0
Pension (yours)-£0
Student Loan-£0
Effective Tax Rate0%
How UK Income Tax Works in 2026/27
In the 2026/27 tax year, every UK worker in England, Wales and Northern Ireland receives a tax-free Personal Allowance of £12,570. Income above this is taxed at 20% (basic rate) up to £50,270, then 40% (higher rate) up to £125,140, and 45% (additional rate) on anything above that.
National Insurance contributions add a further 8% on earnings between £12,570 and £50,270, dropping to 2% above £50,270. If you earn over £100,000 your Personal Allowance is reduced by £1 for every £2 over that threshold, creating an effective 60% tax rate between £100,000 and £125,140.
Popular Salary Calculations
| Gross Salary | Take-Home (Monthly) | Income Tax | Effective Rate |
|---|---|---|---|
| £20,000 | £1,587 | £1,486 | 7.4% |
| £25,000 | £1,784 | £2,486 | 9.9% |
| £30,000 | £2,018 | £3,486 | 11.6% |
| £35,000 | £2,261 | £4,486 | 12.8% |
| £40,000 | £2,494 | £5,486 | 13.7% |
| £50,000 | £2,961 | £7,486 | 15.0% |
| £60,000 | £3,544 | £11,432 | 19.1% |
| £80,000 | £4,544 | £19,432 | 24.3% |
| £100,000 | £5,544 | £27,432 | 27.4% |
Frequently Asked Questions
What is the personal allowance for 2026/27? ▼
The personal allowance for 2026/27 is £12,570. This is the amount you can earn tax-free before Income Tax applies.
How much National Insurance do I pay? ▼
Employees pay 8% National Insurance on earnings between £12,570 and £50,270, and 2% on earnings above £50,270.
What is the 60% tax trap? ▼
Between £100,000 and £125,140 your personal allowance is reduced by £1 for every £2 earned above £100,000, creating an effective 60% marginal tax rate in this band.
Does my pension reduce my tax? ▼
Yes. Employee pension contributions made via salary sacrifice reduce your taxable income, meaning you pay less Income Tax and National Insurance.
All figures are estimates based on HMRC rates for the 2026/27 tax year. Always consult a financial adviser for personalised advice.