UK salary calculator 2026/27: enter gross salary — get net take-home pay. Rates 2026/27: Personal Allowance £12,570 (no tax), Basic Rate 20% up to £50,270, National Insurance 8% above £12,570. For a salary of £30,000 gross, net is about £24,000/year. Data stays in your browser.
Enter gross salary — get net take-home pay with breakdown of tax, NI and student loan. All calculations use 2026/27 rates. Data is not sent anywhere.
Calculations for England/Wales/NI. Student loan — Plan 2 (threshold £29,385). Pension not included — add 5–8% if your employer deducts it.
| Gross (year) | Income Tax | NI (Class 1) | Student Loan Plan 2 | Take-home (year) | Take-home (month) |
|---|---|---|---|---|---|
| £18,000 warehouse, fast food | £1,086 | £435 | — | £16,479 | £1,373 |
| £24,000 PAYE, retail | £2,286 | £915 | — | £20,799 | £1,733 |
| £30,000 PAYE + side job | £3,486 | £1,395 | £54 | £25,065 | £2,089 |
| £40,000 CIS, senior technician | £5,486 | £2,195 | £954 | £31,365 | £2,614 |
| £60,000 CIS top, manager | £11,486 | £3,395 | £2,754 | £42,365 | £3,530 |
| £100,000 PA taper starts | £27,432 | £4,595 | £6,354 | £61,619 | £5,135 |
| £150,000 PA = £0, 45% rate | £53,432 | £4,595 | £6,354 | £85,619 | £7,135 |
When your income is £100K–£125,140, Personal Allowance decreases: you lose £1 for every £2 above £100K. The effective tax rate in this range is 60%. If you are close to this amount, discuss pension contributions with an accountant.
Your employer must give you an itemized payslip under the Employment Rights Act 1996 s.8. If you do not get a payslip, contact Acas (acas.org.uk).
| Basic pay | £2,650.00 |
| Overtime | £0.00 |
| Income Tax | £412.00 |
| NI | £205.32 |
Green — normal. Yellow — temporary. Red — error or debt, you need to act now.
The code is next to your employer's name. If you see BR, 0T, W1 or M1, read on.
gov.uk/personal-tax-account → «Check your Income Tax for the current year». HMRC shows which code they sent to your employer.
0300 200 3300 (Mon–Fri 8:00–18:00). Explain the situation, HMRC will send a new P6 code directly to your employer.
After the code is corrected, HMRC recalculates your tax. If you overpaid, you will get a P800 (cheque or BACS). You can also submit a refund claim through Personal Tax Account.
All rates are valid from 6 April 2026. Source — gov.uk/income-tax-rates and gov.uk/national-insurance.
| Personal Allowance | £0 – £12,570 | 0% |
| Basic rate | £12,570 – £50,270 | 20% |
| Higher rate | £50,270 – £125,140 | 40% |
| Additional rate | £125,140+ | 45% |
| До £242 / неделю | 0% |
| £242 – £967 / неделю | 8% |
| £967+ / неделю | 2% |
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 (Scotland) | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| PGL | £21,000 | 6% |
Scotland has 6 of its own tax bands (starter 19%, basic 20%, intermediate 21%, higher 42%, advanced 45%, top 48%). If you live and work in Scotland, the calculator above gives wrong numbers. Scottish calculation will be added in the next iteration — for now use gov.scot/policies/income-tax.