Use our free tax breakdown calculator to find out exactly how much money lands in your bank account each month. We calculate income tax, National Insurance, student loans and pension contributions using the latest 2026/27 HMRC rates.
After Tax Calculator UK
Enter your gross income below to instantly calculate your net pay after income tax, National Insurance and other UK deductions.
Enter your gross income and click "Calculate Take Home Pay" to see your full breakdown.
Tax Breakdown is the amount of money you actually receive in your bank account after all deductions have been made from your gross salary. In the UK, the main deductions are income tax (collected via PAYE), National Insurance contributions, student loan repayments, and any workplace pension contributions. Your take home pay is also known as your net pay or net salary.
Your tax breakdown is calculated by subtracting all mandatory and voluntary deductions from your gross salary. The process follows this order: First, any pension contributions through salary sacrifice are deducted. Then, income tax is calculated on the remaining amount after your Personal Allowance (£12,570 for 2026/27). National Insurance is calculated separately on your gross earnings above the Primary Threshold. Finally, student loan repayments are deducted if applicable.
| Gross Salary | Income Tax | National Insurance | Take Home Pay |
|---|---|---|---|
| £25,000 | £2,486 | £994 | £21,520 |
| £30,000 | £3,486 | £1,394 | £25,120 |
| £35,000 | £4,486 | £1,794 | £28,720 |
| £40,000 | £5,486 | £2,194 | £32,320 |
| £50,000 | £7,486 | £2,994 | £39,520 |
| £60,000 | £11,432 | £3,194 | £45,374 |
| £80,000 | £19,432 | £3,594 | £56,974 |
| £100,000 | £27,432 | £3,994 | £68,574 |
* Estimated figures for 2026/27. No student loans or pension. Tax code 1257L.
Resources & Tools
Access specialised UK tax calculators and in-depth guides to help you understand your take home pay and tax obligations.
Calculate your UK income after tax, National Insurance, student loans and pension.
Calculate your UK net salary after income tax, National Insurance, student loans and pension.
Calculate your UK take home pay after income tax, National Insurance, student loans and pension.
Calculate your UK gross to net salary after income tax, National Insurance, student loans and pension.
Calculate your UK tax deductions including income tax, National Insurance, student loans and pension.
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FAQ
Everything you need to know about UK income tax, National Insurance and how our after tax calculator UK works.
An after tax calculator UK is a free online tool that calculates your net take home pay from your gross income. It deducts income tax, National Insurance contributions, student loan repayments and pension contributions using the latest HMRC rates and thresholds for the current tax year (2026/27). Simply enter your gross income and the calculator shows you exactly what you'll receive in your bank account.
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.