Take-home pay calculator 2026/27
For employees in England, Wales and Northern Ireland on the standard 1257L tax code. Tax year 6 April 2026 to 5 April 2027.
How it's worked out
- Personal Allowance: £12,570 tax-free. It goes down by £1 for every £2 you earn over £100,000, so it's gone completely at £125,140.
- Income tax: 20% on the next £37,700, 40% up to £125,140, and 45% above that.
- National Insurance (Class 1, category A): 8% on earnings between £12,570 and £50,270, then 2% above that.
- Student loans: 9% of income above the threshold: Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000. Postgraduate loans are 6% above £21,000.
- Salary sacrifice pension: comes off your pay before tax and NI. Workplace schemes that use relief at source work differently.
Sources: GOV.UK Income Tax rates, Rates and thresholds 2026 to 2027, Student loan thresholds. NI is really worked out each pay period, so a monthly payslip can differ by a few pence. Scottish taxpayers have different income tax bands that this calculator doesn't use.
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FAQs
How much tax do I pay on £30,000 in 2026/27?
On a £30,000 salary you pay £3,486 income tax and £1,394.40 National Insurance, which leaves £25,119.60 a year (£2,093.30 a month) before any student loan or pension.
Has the Personal Allowance changed for 2026/27?
No. It stays at £12,570, and the higher-rate threshold stays at £50,270. Both are frozen until at least April 2028.
Why is my marginal rate 60% between £100,000 and £125,140?
You lose £1 of Personal Allowance for every £2 over £100,000. On top of the 40% rate, that makes an effective 60% income tax rate in this band, plus 2% NI.