United Kingdom salary after tax calculator (2026/27)
Enter your gross yearly salary and see what you keep after UK income tax and employee National Insurance for the 2026/27 tax year.
Scope: England, Wales and Northern Ireland. Employee, standard (Category A) National Insurance, under State Pension age.
How the calculation works
- Your Personal Allowance (£12,570) comes off first. It shrinks by £1 for every £2 earned over £100,000 and reaches zero at £125,140.
- Income tax is charged on what is left: 20% up to £50,270 of total income, 40% up to £125,140, then 45%.
- Employee National Insurance is charged on your full gross pay: 8% between £12,570 and £50,270, then 2% above that.
- Take-home pay is your gross salary minus income tax minus National Insurance.
Rates used
| Item | Amount |
|---|---|
| Personal Allowance | £12,570 (tapers out at £125,140) |
| Basic rate | 20% on taxable income up to £37,700 |
| Higher rate | 40% on taxable income up to £125,140 of total income |
| Additional rate | 45% above £125,140 |
| National Insurance, main rate | 8% on earnings £12,570–£50,270 |
| National Insurance, additional rate | 2% on earnings above £50,270 |
Not included: Scotland has its own income tax bands, so this calculator does not cover Scottish taxpayers. Student loan repayments, pension contributions, salary sacrifice and benefits in kind are not included. National Insurance is normally worked out per pay period; this calculator annualises it, which matches for a steady salary.
Sources
- GOV.UK — Income tax rates and Personal Allowances
- GOV.UK — Rates and thresholds for employers 2026 to 2027 (National Insurance)
Last updated: 4 November 2026. Figures are for the tax year shown and change when the tax authority updates them.
Estimates only. This calculator gives an estimate for a standard case in the scope above. It is not tax advice and does not replace your payslip, your tax return or an accountant. If your situation includes anything listed under “Not included”, your real take-home pay will differ.