UK salary calculator 2026/27

Estimate take-home pay after income tax and employee National Insurance. Choose Scotland for Scottish income-tax bands.

Gross annual salary

Where do you live?

Uses England, Wales and Northern Ireland tax bands.

Excludes pensions, student loans and tax-code adjustments.

Take-home pay per year£0

Per month£0

Per week£0

Deductions0%

Gross pay
Income tax
National Insurance
Personal Allowance
Net pay

Popular UK salaries after tax

£25,000take home £21,520 a year £30,000take home £25,120 a year £35,000take home £28,720 a year £40,000take home £32,320 a year £45,000take home £35,920 a year £50,000take home £39,520 a year £60,000take home £45,357 a year £70,000take home £51,157 a year £80,000take home £56,957 a year £100,000take home £68,557 a year

See all salary breakdowns

How it works

The standard Personal Allowance is £12,570. Income tax rates outside Scotland are 20%, 40% and 45%; the allowance tapers above £100,000. Most employees pay 8% National Insurance between £12,570 and £50,270, then 2% above. Scotland has separate income-tax bands.

See rates and official sources.

Frequently asked questions

How much is £45,000 after tax?

About £35,920 a year for a standard employee outside Scotland.

What is the Personal Allowance?

£12,570, reduced by £1 for every £2 of income above £100,000 and fully withdrawn at £125,140.

Does Scotland have different rates?

Yes. Choose Scotland in the calculator to use Scottish income-tax bands.

Are pensions and student loans included?

No. These and individual tax-code adjustments are excluded.