Take-home pay calculator: The United Kingdom
Enter a gross annual salary to estimate income tax, National Insurance and what you keep each month and week in the United Kingdom. It runs in your browser using the 2026–27 rules below.
Updated 2026-11-01 · Methodology
- Income Tax
- £5,486
- National Insurance
- £2,194
- Effective rate
- 19.2%
Net per year
£32,320
Per month
£2,693
Per week
£622
Estimate only — not tax advice.
2026–27 income tax brackets
Gross income (with the full £12,570 Personal Allowance)
| Band | Rate |
|---|---|
| £0 – £12,570 | 0% |
| £12,570 – £50,270 | 20% |
| £50,270 – £125,140 | 40% |
| Over £125,140 | 45% |
- Personal Allowance: £12,570, reduced by £1 for every £2 of income above £100,000 (zero at £125,140)
National Insurance
- Class 1 employee National Insurance: 8% on earnings from £12,570 to £50,270, then 2% above
Example salaries
| Gross | Income tax | Contributions | Net / year | Net / month | Effective |
|---|---|---|---|---|---|
| £25,000 | £2,486 | £994 | £21,520 | £1,793 | 13.9% |
| £35,000 | £4,486 | £1,794 | £28,720 | £2,393 | 17.9% |
| £50,000 | £7,486 | £2,994 | £39,520 | £3,293 | 21.0% |
| £75,000 | £17,432 | £3,511 | £54,057 | £4,505 | 27.9% |
| £110,000 | £33,432 | £4,211 | £72,357 | £6,030 | 34.2% |
Take-home on top-paying roles in the United Kingdom
National medians are Pay by Role estimates; net pay applies the rules above.
| Role | Median (est.) | Est. net / month |
|---|---|---|
| Investment Banker | £138,000 | £7,077 |
| Cloud Architect | £80,700 | £4,780 |
| Lawyer | £78,400 | £4,669 |
| Dentist | £74,700 | £4,490 |
| Product Manager | £71,700 | £4,345 |
| Data Scientist | £67,200 | £4,128 |
| Actuary | £64,200 | £3,983 |
| Software Engineer | £63,500 | £3,949 |
Assumptions
- England, Wales or Northern Ireland income-tax bands. Scotland sets its own bands, so Scottish taxpayers will see different income tax.
- Tax code 1257L, no pension salary sacrifice, student loan or benefits in kind.
Sources (2026–27)
FAQ
How much is take-home pay on £40,000 in the United Kingdom?
About £32,320 a year (£2,693 a month) under the 2026–27 rules, after £5,486 of income tax and £2,194 of National Insurance. Effective rate: 19.2%. This is an estimate.
What does this calculator assume?
England, Wales or Northern Ireland income-tax bands. Scotland sets its own bands, so Scottish taxpayers will see different income tax. Tax code 1257L, no pension salary sacrifice, student loan or benefits in kind.
Is this tax advice?
No. It is an estimate from published rates for a typical employee. Your payslip can differ because of other income, credits, reliefs or employer schemes. Check with the tax authority or a qualified adviser.
Related
Not tax advice. Figures are estimates for a single employee with salary income only, based on the published 2026–27 rules. See our methodology.