UK Take Home Pay Calculator
On a £30,000 salary in England for 2026/27 you pay £3,486 income tax and £1,394.40 National Insurance, leaving £25,119.60 a year, about £2,093.30 a month. This is an estimate, not tax advice.
How to use
- Pick England, Wales or NI, or Scotland. Scottish taxpayers have different income tax bands.
- Enter your gross annual salary and the percentage you pay into a workplace pension, then choose how the pension is taken.
- Choose your student loan plan if you have one and tick the postgraduate loan box if it applies. Take-home pay shows per year, month and week.
How it works
Personal Allowance £12,570. It falls by £1 for every £2 of adjusted net income over £100,000, so it is zero from £125,140.
England, Wales and Northern Ireland: 20% on the first £37,700 above the allowance, 40% up to £125,140 and 45% above that.
Scotland: 19% starter on the first £3,967 above the allowance, 20% to £16,956, 21% to £31,092, 42% to £62,430, 45% to £125,140 and 48% above.
Class 1 employee National Insurance (category A): 8% between £12,570 and £50,270 a year, 2% above.
Student loans: 9% of pay above £26,900 (Plan 1), £29,385 (Plan 2), £33,795 (Plan 4) or £25,000 (Plan 5). Postgraduate loan: 6% above £21,000.
Salary sacrifice lowers the pay used for tax, NI and student loan. Relief at source comes out of net pay: you pay 80% of the contribution and the pension provider adds 20% basic rate relief. Extra relief for higher-rate and Scottish intermediate or higher-rate taxpayers is claimed separately and is not shown here.
Source: HMRC, Rates and thresholds for employers 2026 to 2027 (gov.uk). Figures are worked out on a yearly basis. Payroll works per pay period, so payslips can differ by a few pence. This is an estimate, not tax advice.
Take-home pay at common salaries (England, 2026/27)
| Salary | Income tax | NI | Take home / year | Per month |
|---|---|---|---|---|
| £20,000 | £1,486 | £594.40 | £17,919.60 | £1,493.30 |
| £25,000 | £2,486 | £994.40 | £21,519.60 | £1,793.30 |
| £30,000 | £3,486 | £1,394.40 | £25,119.60 | £2,093.30 |
| £40,000 | £5,486 | £2,194.40 | £32,319.60 | £2,693.30 |
| £50,000 | £7,486 | £2,994.40 | £39,519.60 | £3,293.30 |
| £60,000 | £11,432 | £3,210.60 | £45,357.40 | £3,779.78 |
| £80,000 | £19,432 | £3,610.60 | £56,957.40 | £4,746.45 |
| £100,000 | £27,432 | £4,010.60 | £68,557.40 | £5,713.12 |
Sources: HMRC rates and thresholds · GOV.UK Income Tax ratesLast reviewed 2026-10-14 (2026-27 rates)
FAQ
What is the take-home pay on £30,000 in the UK?
In England, Wales or Northern Ireland for 2026/27, £25,119.60 a year with no pension or student loan. Income tax is £3,486 and National Insurance is £1,394.40.
Why is my tax higher between £100,000 and £125,140?
Your Personal Allowance shrinks by £1 for every £2 over £100,000. In that range each extra pound costs 40% tax plus 20% from the lost allowance, an effective 60% before NI. Pension contributions reduce adjusted net income and can restore the allowance.
Is Scottish income tax different?
Yes. Scotland sets its own bands for earned income. On £30,000 a Scottish taxpayer pays £3,451.07 income tax against £3,486 elsewhere in the UK. National Insurance is the same everywhere.
Does this include my tax code?
It assumes the standard 1257L code with no benefits in kind or underpayments. If your code is different, your payslip will differ.