Salary after tax — UK take-home amounts

"After tax" is the money that actually reaches your bank account: your gross salary less Income Tax, National Insurance and anything else your employer takes through PAYE, such as a pension contribution or a student loan repayment. The pages below work that figure out for 59 common UK salaries using the 2026/27 rates, and show it by year, month, four weeks, two weeks, week and day.

In England, Wales and Northern Ireland the first £12,570 is your Personal Allowance and is taxed at nothing. Income above it is taxed at 20% up to £50,270, at 40% from there to £125,140, and at 45% above that. Only the slice of income inside each band is taxed at that band's rate, so a pay rise never leaves you worse off overall.

National Insurance is a separate deduction, worked out on earnings rather than on taxable income. Employees pay 8% on earnings between £12,570 and £50,270, then 2% on everything above that. It is not affected by the Personal Allowance taper.

Earn more than £100,000 and the Personal Allowance starts to disappear — £1 of allowance for every £2 of income — until it is gone entirely at £125,140. That makes the marginal rate through that stretch noticeably higher than the headline band rate, which is why those salaries are grouped separately below.

Every page shows the plain salary first, then the same salary with a Plan 2 student loan and with a 5% workplace pension, so you can see what each one costs. If your own situation is more complicated — Scottish rates, a non-standard tax code, a bonus, overtime or salary sacrifice — the salary calculator handles all of it, and every page here links straight into it with the amount already filled in.