After Tax
Calculator UK 2027
(Take Home Income)

UK income tax for 2026/27 is calculated using three bands after your Personal Allowance of £12,570. The Basic Rate of 20% applies to income between £12,571 and £50,270. The Higher Rate of 40% applies to income between £50,271 and £125,140. The Additional Rate of 45% applies to income above £125,140. Your Personal Allowance is reduced by £1 for every £2 you earn over £100,000, meaning it reaches zero at £125,140.

In 2026/27, employee National Insurance contributions are 8% on earnings between £12,570 and £50,270 per year (the Primary Threshold to Upper Earnings Limit), and 2% on earnings above £50,270. For example, on a £35,000 income, you would pay 8% on £22,430 (the amount between £12,570 and £35,000), which equals £1,794.40 per year in NI contributions.

Plan 1 is for students who started before September 2012 in England/Wales, or any time in Northern Ireland. Plan 2 is for English/Welsh students who started after September 2012. Plan 4 is for Scottish students. Plan 5 is for students starting courses from August 2023. Postgraduate loans are separate. Each plan has different repayment thresholds — our calculator automatically applies the correct one.

To take home approximately £30,000 after tax in the UK (2026/27, no student loans, no pension), you would need a gross income of around £37,100. This accounts for income tax of approximately £4,906 and National Insurance of approximately £1,962. Use our after tax calculator UK to find the exact figure for your specific circumstances.

Workplace pension contributions made through employer schemes are deducted from your gross pay before income tax and National Insurance are calculated. This means you pay less tax and NI, making pension contributions more tax-efficient than saving from your net pay. For example, a 5% pension contribution on a £40,000 income saves £2,000 gross but only reduces your take home by around £1,340 due to the tax relief.

If your adjusted net income exceeds £100,000, your Personal Allowance of £12,570 is reduced by £1 for every £2 over £100,000. This means your Personal Allowance becomes zero at £125,140. This creates an effective marginal tax rate of 60% on income between £100,000 and £125,140 (40% income tax + 20% from the lost allowance). Our calculator models this taper automatically.

Yes, our after tax calculator UK uses the official HMRC tax rates, National Insurance thresholds, and student loan repayment rates for 2026/27. However, individual circumstances may vary — for example, if you have a non-standard tax code, benefits in kind, or multiple employments. This calculator provides estimates and should not be considered financial advice. For complex situations, consult a qualified accountant or tax adviser.