UK take-home pay calculator 2026/27
Work out your salary after Income Tax, National Insurance, student loans and pension, with HMRC's 2026/27 rates for England, Scotland, Wales and Northern Ireland.
Your take-home pay
| Gross pay | £40,000 |
|---|---|
| Income Tax | −£5,486 |
| National Insurance | −£2,194 |
| Take-home pay | £32,320 |
- Income tax 14%
- Payroll & social 5%
- Take-home 81%
Pick your nation
Take-home pay on a £40,000 salary, so you can compare at a glance.
Popular salaries in England
Frequently asked questions
How much is £40,000 after tax in the UK?
In 2026/27, £40,000 is about £32,320 a year (£2,693 a month) after Income Tax and National Insurance in England, Wales or Northern Ireland, and £32,255 in Scotland.
What is the Personal Allowance for 2026/27?
£12,570. It is reduced by £1 for every £2 you earn over £100,000, and disappears completely at £125,140.
How much National Insurance do employees pay?
8% on earnings between £12,570 and £50,270 a year, and 2% on anything above. It is the same in all four UK nations.
Why is there a 60% tax rate between £100,000 and £125,140?
Because the Personal Allowance is withdrawn in that range, each extra £1 costs 40% tax plus 20% more tax on the allowance you lose. Pension contributions can reduce it.
Does the calculator include student loans and pensions?
Yes. Open "Savings and other deductions" to add Plan 1, 2, 4 or 5 student loans, a Postgraduate Loan, and pension contributions by relief at source, net pay or salary sacrifice.