Take-home pay calculator
Work out what you take home each month after Income Tax, National Insurance, student loan and pension.
2026 to 2027 rates from HMRC, checked 13 November 2026. For England, Wales, Northern Ireland and Scotland. Tested against HMRC's own take-home pay estimator.
Result
On £30,000 a year, your take-home pay is £2,093.45 a month.
take-home pay a month, 2026 to 2027
| Item | A year | A month |
|---|---|---|
| Pay before tax | £30,000.00 | £2,500.00 |
| Income Tax | −£3,484.20 | −£290.35 |
| National Insurance | −£1,394.40 | −£116.20 |
| Take-home pay | £25,121.40 | £2,093.45 |
- Take-home £25,121.40 (84%)
- Income Tax £3,484.20 (12%)
- National Insurance £1,394.40 (5%)
That is £483.10 a week. Tax code 1257L, paying tax in England, Wales or Northern Ireland. Of a £1,000 pay rise you would keep £720.00, so 28% goes in deductions.
Show the workings
| Step | Sum | Answer |
|---|---|---|
| Tax-free pay from tax code 1257L | £12,570.00 allowance, which code 1257L covers up to £12,579.00 | £12,579.00 |
| Taxable pay | £30,000.00 − £12,579.00 | £17,421.00 |
| Basic rate | £17,421.00 × 20% | £3,484.20 |
| National Insurance | £17,430.00 above £12,570.00 × 8% | £1,394.40 |
| Take-home pay | £30,000.00 − £3,484.20 tax − £1,394.40 National Insurance | £25,121.40 |
What this leaves out or assumes
- England, Wales and Northern Ireland Income Tax rates, a standard Personal Allowance and National Insurance category A.
- Tax-free pay follows the tax code, as payroll and HMRC's own take-home pay estimator do: code 1257L gives £12,579 a year, not £12,570, which is up to a few pounds less tax.
- Worked out over the whole tax year. Payroll works out each payday on its own, so a monthly or weekly payslip can differ by a few pence, or by more in a month with a bonus.
Where the figures come from
- Personal Allowance, 2026 to 2027: £12,570 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Range of allowances each tax code number covers: £10. Source: HMRC PAYE Manual PAYE11065: suffix codes, calculating the number. Checked 13 November 2026.
- Basic rate of Income Tax (England, Wales and Northern Ireland): 20%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Basic rate band: taxable income it covers (England, Wales and Northern Ireland): £37,700 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Higher rate of Income Tax (England, Wales and Northern Ireland): 40%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Taxable income above which the additional rate applies (England, Wales and Northern Ireland): £125,140 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Additional rate of Income Tax (England, Wales and Northern Ireland): 45%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- National Insurance primary threshold: £12,570 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- National Insurance upper earnings limit: £50,270 a year. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Employee National Insurance between the primary threshold and upper earnings limit (category A): 8%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
- Employee National Insurance above the upper earnings limit (category A): 2%. Source: HMRC: Rates and thresholds for employers 2026 to 2027. Checked 13 November 2026.
Take-home pay for common salaries
| Salary | Income Tax | National Insurance | Take-home a year | A month |
|---|---|---|---|---|
| £20,000 | £1,484.20 | £594.40 | £17,921.40 | £1,493.45 |
| £25,000 | £2,484.20 | £994.40 | £21,521.40 | £1,793.45 |
| £30,000 | £3,484.20 | £1,394.40 | £25,121.40 | £2,093.45 |
| £35,000 | £4,484.20 | £1,794.40 | £28,721.40 | £2,393.45 |
| £40,000 | £5,484.20 | £2,194.40 | £32,321.40 | £2,693.45 |
| £50,000 | £7,484.20 | £2,994.40 | £39,521.40 | £3,293.45 |
| £60,000 | £11,428.40 | £3,210.60 | £45,361.00 | £3,780.08 |
| £80,000 | £19,428.40 | £3,610.60 | £56,961.00 | £4,746.75 |
| £100,000 | £27,428.40 | £4,010.60 | £68,561.00 | £5,713.42 |
Every salary from £15,000 to £200,000
How take-home pay is worked out
Your employer takes these off your pay before it reaches you:
- Income Tax. The first £12,570 of the year is tax-free, your Personal Allowance. After that you pay 20%, then 40%, then 45% as your pay rises through the bands. In Scotland there are six bands.
- National Insurance. 8% of pay between £12,570 and £50,270 a year, and 2% above that.
- Student loans. 9% of pay above your plan's threshold, and 6% above £21,000 for a postgraduate loan.
- Pension. Whatever your workplace scheme takes. It can come off before or after tax.
Above £100,000, your Personal Allowance goes down by £1 for every £2 you earn, so it is gone by £125,140. That makes the tax on pay between those amounts 60%. GOV.UK explains the rates and allowances.
Why your payslip may differ by a few pence
The calculator works over the whole year, as HMRC's estimator does. Payroll works out tax and National Insurance on each payday, using your tax code, so a month can be a few pence different. Payslips also include things this cannot know about, such as benefits in kind or a different tax code. If your tax code is not 1257L, check it on GOV.UK.