Take-home pay estimate · 2026/27 tax year
Taxable profit = turnover − expenses
Rest of UK = England, Wales & NI. Scotland uses its own income tax bands; NI is UK-wide.
Net pay (take-home)
£0
Estimates for the 2026/27 tax year. Choose your tax region above — Scotland uses six income tax bands (Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Advanced 45%, Top 48%); the rest of the UK uses three (20%, 40%, 45%). National Insurance is the same UK-wide. Assumes a standard Personal Allowance and no other income, pension contributions, student loan, or tax-code adjustments. Personal Allowance tapers above £100,000. Self-employed figures use Class 4 NI and exclude voluntary Class 2. Not financial advice — verify at gov.uk.
This free UK tax calculator and salary calculator works out your take-home pay for the 2026/27 tax year. Enter your wage to see your net pay after income tax and National Insurance, whether you're paid monthly or annually. It works as an income tax calculator, a take-home pay calculator, a net pay calculator and a National Insurance calculator all in one — for both employed (PAYE) and self-employed income, across England, Wales, Northern Ireland and Scotland.
How much is £30,000, £40,000 or £50,000 after tax in the UK?
To check your salary after tax — for example £30,000 after tax, £40,000 after tax or £50,000 after tax — enter the figure into the salary calculator above and it shows your take-home pay per month and per year, with income tax and National Insurance broken down.
What is my take-home pay for 2026/27?
Your take-home pay is your gross salary minus income tax and National Insurance. For 2026/27 the Personal Allowance is £12,570. In England, Wales and Northern Ireland income is taxed at 20% up to £50,270, 40% up to £125,140, then 45%. This net salary calculator applies the latest HMRC rates automatically.
What is the National Insurance rate for 2026/27?
Employees pay Class 1 National Insurance at 8% on earnings between £12,570 and £50,270, then 2% above. Self-employed people pay Class 4 at 6% and 2% on the same thresholds. This NI calculator is the same UK-wide, including Scotland.
Does this work as a Scotland tax calculator?
Yes. Switch the tax region to Scotland to use the Scottish income tax bands for 2026/27: Starter 19%, Basic 20%, Intermediate 21%, Higher 42%, Advanced 45% and Top 48%. This Scottish income tax calculator keeps National Insurance the same as the rest of the UK.
Can I use it as a self-employed tax calculator?
Yes. Choose "Self-employed" to estimate tax on your profit (turnover minus expenses) using income tax and Class 4 National Insurance — a quick self-employed tax calculator for sole traders and freelancers.
What's the difference between gross pay and net pay?
Gross pay is your salary before deductions; net pay is what actually lands in your bank account after income tax and National Insurance. As a net pay calculator, this tool shows both figures so you can see exactly what you take home.
Is this a PAYE calculator?
Yes. For employees, tax and National Insurance are collected through PAYE (Pay As You Earn). Enter your annual salary and this PAYE calculator estimates your monthly and yearly take-home pay under the 2026/27 rates.
How do I see my monthly take-home pay instead of annual?
Switch the view to "Monthly" and the salary calculator converts your figures, showing your salary after tax per month — handy for budgeting your actual monthly pay.
What about higher salaries like £60,000 or £100,000 after tax?
The calculator handles higher earners too. For £60,000 after tax you'll pay 40% income tax on part of your income, and for £100,000 after tax the Personal Allowance starts to taper — both are applied automatically so your take-home pay stays accurate.