Take-Home Pay Calculator — 2026/27
What is the Take-Home Pay (PAYE) Calculator?
Take-home pay is the amount of your salary you actually receive after Income Tax and Class 1 National Insurance have been deducted under PAYE. For 2026/27, the personal allowance is £12,570, basic-rate Income Tax is 20%, higher rate 40% and additional rate 45%; employee NI is 8% main and 2% upper.
Last reviewed: against HMRC rates for 2024/25 & 2025/26.
PAYE & NI bands — 2026/27 (England, Wales, NI)
Worked example
On a £45,000 salary in 2025/26 you pay £6,486 income tax and £2,594 employee NI, leaving £35,920 take-home pay (~£2,993/month).
Frequently asked questions
+How much tax will I pay on £30,000 in 2025/26?
On a £30,000 salary you pay £3,486 income tax and £1,394 Class 1 National Insurance, leaving £25,120 take-home pay (~£2,093/month) under PAYE in England, Wales and Northern Ireland.
+What is the 2025/26 personal allowance?
£12,570 — the amount of income you can earn before paying any UK income tax. The allowance is reduced by £1 for every £2 of income above £100,000, and disappears entirely at £125,140.
+How is take-home pay calculated under PAYE?
Subtract the personal allowance from gross salary, apply the income-tax bands (20%, 40%, 45%) to the remainder, then apply employee Class 1 NI (8% main rate, 2% above £50,270). The result is your annual take-home pay.
+Does this calculator include student loan deductions?
Not by default. Add your student loan plan separately if you repay one — Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate plans each have different thresholds and rates.
+Are Scottish income tax rates different?
Yes. Scotland has six income-tax bands (19%, 20%, 21%, 42%, 45%, 48%) instead of three. Use our Scotland income tax calculator if you live in Scotland.